The SME Thai federation is asking government and Bangkok to act now on flood relief, not wait for waters to drop. Bangkok has declared a disaster zone in all 50 districts, but net damage is not yet assessed. Its five asks: a 6-month to 1-year debt and interest grace period, low-interest emergency loans, faster compensation with fewer forms, temporary relief on rent, wages and utilities, and support to bring customers back. These are proposals only; nothing is in force yet. Practical step: if your shop or workshop is in a flooded area, document losses with photos and receipts now, and talk to your lender about restructuring before payments fall due. The federation warns that a 3-4 day closure can take revenue to zero and recovery can take 3-6 months.