The Bank of Thailand expects its two SME schemes to add 130 billion baht in SME lending by the end of next year, with SME lending expected to turn positive again. SME Credit Boost uses a loan guarantee and has already seen about 50 billion baht lent through banks. SME Secured Plus temporarily relaxes collateral requirements, so a wider range of assets can secure a loan. If you are looking for financing, ask your bank whether these schemes apply to your business now. The governor also said the Northeast has the weakest lending and the highest NPL ratio (around 10%), so banks there may be tighter, and the central bank will propose revamping the credit guarantee scheme if SME Credit Boost works.