Thai Credit Bank (CREDIT), a lender focused on small businesses, aims to grow its loan book to 200 billion baht in 2026 with NPLs held under 4.5%. Relevant to you if you have collateral and past payment delays on your credit bureau record: its new SME loans (SME กล้าช่วย / SME กล้าสู้) target that group, with LTV around 50%. Its consumer debt-consolidation loan offers rates below 10% and terms up to 10 years, versus the 25-28% typical on credit cards and personal loans. The bank says its branch network and relationship managers are its edge against virtual banks, which it expects to have limited short-term impact. Check terms directly with the bank before applying.