Thai Credit Bank (CREDIT) expects 2026 loans to reach 200 billion baht, up from about 194 billion baht at mid-year, and is pushing into Micro SME lending. Its Micro Max product offers about 500,000 to 1 million baht, with lower rates for low-risk borrowers or those with collateral. The bank says it will keep NPLs near 4% and will not lend beyond borrowers' capacity. It also plans to use QR payment transaction data in credit assessments, which may help small merchants with thin credit records. For a small business owner, this is a possible new borrowing option worth comparing against current loan terms, especially if you take QR payments.