Bank of Thailand data for Q2 2026 show commercial-bank lending to SMEs down 4.6% year on year, the 16th straight quarter without growth, while large-business lending rose 6.6%. Banks are tightening because of risk, and SMEs with thin financial records struggle to get credit. SME D Bank says it is testing looser loan criteria (borrower qualifications and collateral) in a sandbox with the Ministry of Industry and Ministry of Finance. In H1 2026 it reported disbursements of about 40,936 million baht (up about 12.4%), mostly to firms borrowing up to 15 million baht. If you are seeking funding, prepare clear financial records and check SME D Bank's programmes, since the bank says it also offers development support to borrowers not yet ready.