Flood damage is still stopping small shops in Bangkok and nearby provinces from reopening. The Government Savings Bank offers emergency loans up to 20,000 baht without collateral, disaster-relief loans up to 50,000 baht, and livelihood rehabilitation loans up to 300,000 baht (0% for the first three months, then 15% a year reducing balance, up to seven years). Emergency and disaster loans allow three months' deferral of principal and interest. The government admits approval is not guaranteed. If your premises were flooded, apply early and prepare documents for compensation claims. The Democrat party has proposed 200,000 baht loans at 0% for six months, but that is only a proposal.