The Bank of Thailand governor says SMEs were rejected for bank loans at 55% in the system data, and possibly 60-70% in reality. SME NPLs reached about 9.5% versus under 2% for large firms, and the average SME borrowing rate is about 6.9% versus 3.9% for large firms (2025). The central bank plans an SME Credit Portal to match SMEs with lenders, first expected to open in December, plus a new loan guarantee scheme (about 100,000 million baht a year on top of BSY) and a data bureau that adds utility, tax and payment records. For owners: keep bills, tax and payment records clean and organised now, since alternative credit data may be used in future lending decisions. Expect the portal to be a more direct route to lenders.