Kasikorn Bank expects SME lending to grow 1-2% in 2026, with bad debt steady and not rising. Agriculture SMEs are slowing most, while wellness and hospitality are growing. The bank cut its SME share of loans to about 28% from 30%. If the Bank of Thailand's proposal lifts SME Credit Boost from 80,000 to 100,000 million baht a year, Kasikorn says it will participate. For SME owners, this signals credit is available but tight, so prepare financials and check whether your business qualifies for the guarantee scheme with the SME credit guarantee corporation (บสย.).