CLICX, a Thai virtual bank backed by OR, AIS and Krungthai, opened its CLICX พร้อมใช้ loans on 1 August 2026. Basic loans go up to 20,000 baht (6 months); Pro loans up to 1,000,000 baht (60 months). Limits are capped at 1.5x monthly income below 30,000 baht and 5x above it. Applicants must be Thai, aged 20-59, hold a CLICX Save account and earn at least 5,000 baht a month. Coverage of debt default was heavily debated online. For a business owner, this is mainly a new consumer credit option for staff and customers. Be cautious about staff using it for personal debt, and treat it as consumer borrowing, not business finance.