The National Credit Bureau reports, using data as of May 2026, that about 1.1 million borrowers with 1.85 million accounts (around 580 billion baht) are in legal proceedings, after passing through NPL status. Around 410,000 borrowers owing under 100,000 baht are also in the legal process. Legal action can take up to 10 years, from court case to enforcement. For a small business owner, this means household credit is stretched, so customers may face tighter payment pressure, and your own loans or credit lines could be scrutinised more closely. Check your repayment record and keep your credit bureau report clean.