Krungthai and GSB have launched SME loans that use real sales data from the Thai Krungsri-linked "Thung Ngern" app and its "AI Nokkrasib" analytics tool. Krungthai offers up to 3 million baht for app-using shops at 3.5% a year fixed for two years, plus a 500,000 baht loan at 11% a year. GSB offers up to 50,000 baht at 0.75% a month with no collateral. BAC (SME credit guarantee) can back loans for owners without collateral, with guarantee fees from 1% a year. Shops that record sales through QR payments and the app may find it easier to qualify. Check eligibility and fees before comparing with informal lenders.