The central bank is preparing three measures to ease SME borrowing, rolling out late 2026 to early 2027. The SME Credit Portal, expected in December, will link SMEs with lenders through a Data Bureau that can use utility payments, tax payments and mobile phone records instead of only bank statements. This could help vendors and self-employed owners with thin bank records. A credit guarantee scheme funded by the Financial Institutions Development Fund (not the government budget) is also planned to lower banks' costs of lending to SMEs. Keep tax and utility payment records in order, since they may count toward your credit profile.