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PHP has released patched versions 8.5.12, 8.4.27, 8.3.36 and 8.2.35 fixing two flaws that allow remote code execution without login. Apache with mod_php is rated highest risk. If your website, shop or back-office runs on PHP, ask your web developer or hosting provider to confirm you are on a patched version. If you cannot upgrade yet, the vendor suggests setting memory_limit=-1, lowering post_max_size to 8-32MB, setting session.upload_progress.enabled=0 and fatal_error_backtraces=0, then restarting all PHP workers. Linux distributions have pre-released patches and Docker images are expected within minutes.

CREDIT bank's micro-SME lending grew 14.6% in Q3 2026, and it is pitching new SME loan products Prachachat · 1d ago

Thai Credit Bank (CREDIT) reported Q3 2026 net profit of 1.239 billion baht, up 22.2% year on year. Micro-SME lending rose 14.6%, and total loans reached 202.1 billion baht, up 13.8%. The bank launched three SME products: SME Kla Chuay (loans secured by land or buildings), SME Kla Su (risk-based pricing), and Micro Max (expanded limits for wholesalers and retailers). It says it will assess cash flow alongside collateral. For a small business that needs working capital or has property to pledge, this is a new lending option to ask about. Rates under risk-based pricing will depend on your risk profile. The article gives no specific rates or terms.

Big Thai banks' Q3 profits hold up as lower rates squeeze lending margins Prachachat · 1d ago

Six large Thai banks reported Q3 and 9-month 2026 results. Net interest income fell sharply (Kasikorn down 8.87% over nine months) as rates were cut and banks lowered loan rates to ease borrowers' costs. Banks are offsetting this with wealth management and fee income, and are holding higher loan-loss reserves (Kasikorn coverage ratio 177.9%). For an SME, this points to cheaper credit being available but banks pushing hard on wealth and fee products; no action is required from this report alone.

Commerce Ministry asks producers and retailers to hold price rises as energy and freight costs stay high Prachachat · 1d ago

The Commerce Ministry is monitoring energy and freight costs, which it warns could pass through to consumer goods prices. It is asking large manufacturers and wholesale/retail chains to delay price increases, and its provincial offices in all 76 provinces will check prices and watch for hoarding. The "Thai Chuay Thai Thong Fah" scheme runs 3,036 low-price outlets for 90 days from 16 October 2569 (2026) to January 2570 (2027). If energy stays high, expect tighter price oversight and requests to absorb costs, so review your cost base and any planned price increases before raising prices.

Customs seizes 100 kg of undeclared Japanese matcha at Chiang Mai airport Bangkok Post · 1d ago

Customs seized 972 packs (100 kg, over 500,000 baht) of undeclared Japanese matcha from a passenger at Chiang Mai airport on Monday; the quantity was judged commercial, not personal. No auction has been announced yet. For importers, the lesson is that matcha imports are tightly controlled: within the annual quota the duty is 30% (lower under an FTA), outside it 90%, and ASEAN-origin goods are generally duty-free. Declare all commercial imports and check quota and duty before bringing in stock.

Government home loan scheme offers 2.60% to 4.00% rates for homes up to 3 million baht The Standard Wealth · 1d ago

Cabinet approved the 'Baan Khon La Lang PLUS' loan, 50,000 million baht in total, through the Government Housing Bank (GHB). Homes priced up to 3 million baht qualify. Regular-income borrowers get 40,000 million baht... actually: regular-income group gets 10,000 million baht at 2.60% in years 1-2, 3.40% in year 3, 4.00% in years 4-5, then MRR minus 2.00% in years 6-7. Low-to-middle-income group gets 40,000 million baht at 2.80% in years 1-2. Loan term is 3 to 40 years, and borrower age plus term must not exceed 70. Useful for staff housing and for customers who are buying or building homes; check eligibility and the current MRR (6.145%).

KTB Q3 profit down 13.9% from last year, loan growth 10%, NIM 2.44%, while the bank says SME adaptation is still constrained Prachachat · 1d ago

Krungthai Bank (KTB) reported Q3 2026 net profit of 12,582 million baht, up 3.8% from Q2 but down 13.9% year on year. Loans grew 10%, led by retail, large business and government lending. Net interest income fell 13% for the nine months as rates came down, while fee income rose 6.2%. Provisions fell 14% to 20,345 million baht, NPL is 2.93%, and credit cost is 0.98%. The bank says oil prices are adding pressure on business costs and that SMEs face limited capacity to adapt. For a Thai SME, this signals that banks are lending more but are still cautious, and that lower rates may ease borrowing costs. Oil and flood risk are worth factoring into this quarter's planning.

Bangkok rail fares cut to 17-45 baht from 1 Jan 2027, but only for Paotang users paying by EMV card Prachachat · 1d ago

Cabinet is due to approve on 26 Oct 2026 a fare cut on 8 Bangkok-area rail lines: first-ride fee capped at 17 baht, maximum 45 baht per trip, for Thai users who register via Paotang and pay with an EMV contactless card. Starts 1 Jan 2027, with refunds to Paotang within 3 days. The 40-baht all-day pass on Red and Purple lines (Tao Poon-Khlong Bang Phai) is extended to 31 Dec 2027. Both measures end 30 Dec 2027, before a unified ticket system in 2028. Staff or customers who commute by rail may shift payment habits: check whether your card is EMV-enabled, since Rabbit cards on Green and Gold lines need a system upgrade first.

PTT opens CEO applications until 18 November, with no change for small businesses yet The Standard Wealth · 1d ago

PTT is recruiting its next CEO; applications run 27 October to 18 November (2026), and the current CEO's term ends April 2027. Candidates must have run a company with at least 50 billion baht turnover. The article names five PTT-group executives as likely applicants, including the heads of OR and Thai Oil. For a small business this is background only: no change to fuel prices, tax or permits is announced. Watch it only if your business depends on PTT group energy pricing or supply.

Four ways to file claims under the national disaster insurance scheme, covering up to 100,000 baht per household Prachachat · 1d ago

The Office of Insurance Commissioner (คปภ.) opened four claim channels for the national disaster insurance scheme: the thainatcat.org website, LINE @ThaiNATCAT, call centre 0-2012-5555, and local claim points or branches of participating insurers. Homes in officially declared disaster zones are covered for flood, windstorm and earthquake damage up to 100,000 baht per household. Flood claims get an initial 10,000 baht within 15 days, with the rest assessed later. Have your ID card, house registration, photos if available, and the PromptPay account linked to your ID ready. No photos does not disqualify a claim. Living in a declared zone alone does not guarantee payment; the damage must meet policy terms. Also note the group accident cover: 2,000,000 baht for death and 200,000 baht for total permanent disability.

Foreign nominee crackdown in Chon Buri means property deals need clean ownership checks Bangkok Post · 1d ago

Police raided 12 properties worth about 800 million baht in Bang Lamung, suspecting foreign owners were hiding behind Thai nominees. If illegal ownership is confirmed, forced sales could follow within 180 days. The PM has ordered nationwide probes to finish by end-2026, and the Department of Lands has flagged 13,088 suspect parties covering 5,467 rai. Thai people who lend their names to foreign-owned property or companies now face criminal charges. Owners and agents in Pattaya and Chon Buri areas should check who really owns and funds any property or company they rent, sell or work with.

NBTC deadlock may stall telecom approvals and the 5.4bn baht USO Net rollout Prachachat · 1d ago

The NBTC (กสทช.) has been split for over two months, with rival board meetings and a disputed chairman. Contract signing for the 5.4bn baht USO Net phase 3 is in question, since contracts above 200m baht need the chairman's approval. True Corp says it is not directly affected yet. For a Thai SME, the practical effect is slower regulator decisions on telecom and broadband matters, so avoid planning around new telecom approvals or licences until the dispute clears.

FY2571 budget calendar set: SME input window opens October 2026, bill passes by September 2027 Prachachat · 1d ago

The cabinet has published the timeline for the FY2571 budget. Pre-budget consultation with ruling and opposition parties, the private sector (กกร.), academics and the public starts October 2569 (2026). Budget requests from agencies are due by 12 February 2570 (2027), cabinet approves the draft bill on 8 June 2570, and the bill goes to parliament in June–September 2570. Money is meant to flow from 1 October 2570. For an SME: if you sell to government agencies or depend on local public projects, the window to influence priorities or chase procurement is roughly October 2026 to February 2027. Projects of 500 million baht or more face extra corruption risk review.

Opposition sets 5-day no-confidence debate on 18 ministers, 27–29 October window disputed Prachachat · 1d ago

The Democrat Party says it will focus on 4–5 of the 18 ministers facing a no-confidence debate and wants about 5 days, while the PM has proposed 3 days (27–29 October). The schedule is still being negotiated in the three-party whip meeting. For a small business owner this is political background: no direct change to tax, labour, lending or costs is set out in the article. Watch for any policy decisions that follow if ministers are removed or a party merger happens, but no action is needed now.

Bills would treat all drug possession as trafficking and extend police detention to seven days Bangkok Post · 1d ago

Prime Minister Anutin and Bhumjaithai MPs have filed two amendment bills to the Narcotics Code and the Narcotics Cases Procedure Act. If passed, police could hold drug suspects for seven days instead of three, authorities could access more data, and anyone found with drugs would be classed as a trafficker rather than a user, removing the option of rehabilitation instead of prison. Harsher penalties would apply to those who use minors to carry drugs. The bills are only filed, not yet law. For business owners, the practical points are staff and customer compliance, and checking that any HR or workplace drug policy matches the new rules once they pass.

Uthenthawai college in Bangkok to move to Samut Prakan within 90 days Bangkok Post · 1d ago

The higher education minister confirmed the relocation of Uthenthawai vocational college from its Phaya Thai Road site to a temporary site in Bang Phli, Samut Prakan, despite student protests. The move has a 90-day transition period, and the old land will be used for education, innovation and industry, not commercial development. Little direct impact on most Thai SMEs; relevant mainly if you trade or supply near the campus or in Bang Phli.

Checked bags can now be searched without you present at Suvarnabhumi, so pack and label carefully Bangkok Post · 1d ago

Since 16 October, CAAT rules allow checked bags at Suvarnabhumi to be inspected without the passenger present. Inspections are supposed to happen only after a security alert, and a written notice should be left in any bag opened. Airport management denied a blogger's claim that her bag was searched, saying CCTV and screening data showed no opening by staff. For business travellers carrying samples, stock or documents: keep valuables, key papers and essential items in carry-on, use approved locks, and check your airline's complaint route if a bag is disturbed.

KTC cuts cash-advance fee to 2.5% from 1 July, signalling tighter household credit conditions The Standard Wealth · 1d ago

KTC's Q3 2569 net profit rose 8.9% to 2,125 million baht, with 9-month profit at 6,521 million. Household debt and weak purchasing power remain the pressure. Two changes matter to customers: from 1 July 2569 the credit-card cash-advance fee fell from 3.0% to 2.5% under the Bank of Thailand's new service standard, and from 1 September 2569 KTC and SAM run a debt-relief programme for small borrowers. If your customers pay by card or instalment, expect tighter credit and more collection activity. KTC also plans to sell digital insurance online by Q4 2569, pending regulator approval.

Floods still cover parts of Bangkok and 19 provinces, hitting 1.22 million people Bangkok Post · 1d ago

As of Wednesday, flooding continued in 71 districts across 19 provinces plus parts of Bangkok, affecting 402,637 families (about 1.22 million people). The Central Plains are worst hit, including Ayutthaya, Prachin Buri, Chachoengsao, Suphan Buri and Nakhon Pathom, and Bangkok's Lat Krabang and Nong Chok districts are still underwater. Since 16 September the death toll is 82. If your shop, factory or delivery routes are in these areas, expect supply delays, stock losses and lower customer traffic. Check your premises, stock and routes, and confirm your insurance and any relief support with the local authority.

Flood relief payments for southern Thailand are rolling out, but registration needs screening first Prachachat · 1d ago

The cabinet approved over 10,508 million baht in additional flood relief on 20 October. Payments are being made as surveys are completed and data reaches the Disaster Prevention and Mitigation Department, with about 700,000 households paid so far. Registration is open; claims are screened for duplicates and for whether the claimant is a tenant or owner. In Hat Yai, residents fear a repeat of the 2025 flood after 100 mm of rain, but the PM gave no firm guarantee, only that preparation is underway. For a business in the south: check whether your premises or property qualify for relief, and plan for flood disruption to stock, access and staffing.