BoT Governor Witai Ratanakorn said SME loan rejection rates have stayed at 60-70% and are 78% for new firms without credit history and 86% for firms with existing bad debt. SME borrowing costs average about 6.9% versus about 3.9% for large firms. The BoT aims to lift SME lending to 200 billion baht a year, with three measures still to be detailed in this article. For owners: expect tighter credit assessment, so keep clean financial records and bank statements ready, and watch for the measures before planning new borrowing. The article gives no start dates or eligibility rules.