The BoT governor announced plans to cut the cost of credit access for SMEs. NCB would let data owners check their own credit history free twice a year; the official announcement is expected in about 2-3 months. A new Data Exchange Bureau, targeted for mid-2027, would use alternative data such as utility bills, merchant payment records and deposits to assess income for self-employed and non-salaried SMEs. An SME Credit Portal is expected before end-2026, and a permanent loan guarantee scheme (building on Credit Boost, which lent 80,000 million baht in six months) starts Q1 2027 with a 100,000 million baht annual SME target. Practical step: keep utility, merchant payment and deposit records organised, and check your own credit report once the free service opens.