The Bank of Thailand says only 21% of the strongest 30% of SMEs get bank credit, and SME lending has shrunk for 16 quarters. Three measures are coming: a Credit Portal matching SMEs with lenders (launch December, expansion Q1 2027); a 5-year permanent loan guarantee fund aiming at about THB 100bn a year for strong SMEs (ready Q1 2027); and an alternative data bureau using utility bills and payment history (mid-to-late 2027). For owners, start keeping clean payment records, utility and transfer history, and bank statements now, since the new scoring will use them. Flood damage is also raising debt, so BOT is asking banks to help affected firms.