Government Savings Bank (GSB) will automatically defer principal and waive interest for 3 months for borrowers whose residence, home or workplace is in a disaster zone declared by the Department of Disaster Prevention and Mitigation (DDPM). Notices come by SMS or letter; to opt out, visit any branch or call GSB Contact Center 1115. Flood-related loans for SMEs include up to 5 million baht (up to 1 million baht without collateral guarantee via BSD) at MLR minus 2.65% in year one, with up to 1 year of principal grace. Emergency loans of up to 20,000 baht (0.60% flat per month after 3 months) and small business recovery loans of up to 300,000 baht (15% effective per year) are also available. Check whether your business location falls in a declared zone and confirm terms at a branch.