SME D Bank offers soft loans at a fixed 3% for 3 years with no collateral for SMEs, plus relief for borrowers hit by falling sales (principal, interest or instalment cuts). It also has a venture fund over 2,000 million baht for growing firms without collateral. BSD (บสย.) guarantees loans to fill collateral gaps and, under the "Quick Big Win" programme, waives guarantee fees for the first 3 years for micro firms and supply-chain SMEs, with 50,000 million baht in guarantee capacity. It also offers free debt-restructuring advice. If cash flow is tight, check these options before taking high-rate loans. The article does not give application deadlines or eligibility details.