The Finance Ministry launched "AI Nokkrasib" loans that use real sales and payment history from the Tungngern app as alternative data. Krungthai SME small-size loans go up to 3 million baht with no collateral (BAC guarantees the full amount), or up to 20 million baht with collateral, starting at 3.5% a year fixed for 2 years. The "Sip Muen" loan goes up to 500,000 baht from 11% a year, with no application fee. Eligibility: Thai individual or Thai-registered company aged 20–65 with at least 1 year of registered business. GSB has a separate small loan of up to 50,000 baht. If you sell through Tungngern, EDC machines, Lazada or Shopee, check whether your sales records qualify before you apply.