The Bank of Thailand's 2026 financial stability report says SMEs face higher energy and raw material costs, weaker revenue and limited access to bank credit at higher cost. Small firms should expect tighter liquidity and more difficulty borrowing, so review cash buffers and pass-through pricing now. About 30% of households do not earn enough to cover spending, so weaker local demand is likely. Property developers face high-yield debt rollover pressure, which could affect their suppliers and contractors.