The Songkhla Chamber of Commerce is proposing four projects to the cabinet's visit to the southern border provinces. The main one is a 25 billion baht soft loan at 1.5% a year over 10 years (fixed for the first 5), capped at 40 million baht per borrower, with credit-bureau checks waived for flood victims and SME Bank guarantees. Only about 80% of Hat Yai businesses have recovered from the late-2025 floods. This is still a proposal, not an approved scheme. If your business was hit, track the cabinet decision and prepare your loan papers. Also watch the Songkhla port dredging plan, which would lower export and import logistics costs.