Thai Credit Bank (CREDIT) reported Q3 2026 net profit of 1.239 billion baht, up 22.2% year on year. Micro-SME lending rose 14.6%, and total loans reached 202.1 billion baht, up 13.8%. The bank launched three SME products: SME Kla Chuay (loans secured by land or buildings), SME Kla Su (risk-based pricing), and Micro Max (expanded limits for wholesalers and retailers). It says it will assess cash flow alongside collateral. For a small business that needs working capital or has property to pledge, this is a new lending option to ask about. Rates under risk-based pricing will depend on your risk profile. The article gives no specific rates or terms.