The Finance Ministry will take a proposal to the cabinet next week for a soft loan of about 4,000 million baht via GSB (Government Savings Bank). Eligible SMEs in the 5 southern border provinces and flood-affected areas could get up to 40 million baht per borrower. Flood-recovery loans would be 0% for the first 6 months, 1.99% in months 7-24 (state subsidises half), then 2.99% for the last 3 years. Southern-border loans would fall from 1.99% to 1.5% a year over up to 5 years. The credit pool is flexible and can be expanded. Still a proposal, not yet approved, so check the GSB terms once cabinet decides.