Financial products
Compare SME & Business Loans
Compare interest rates, credit lines and terms on SME & business loans from every Thai financial institution — find the right funding for your business (data from Bank of Thailand)
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355 products
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Bank of Thailand
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ธอส.
สินเชื่อประเภทแฟลตให้เช่า/บ้านเช่า ปี 2569
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สินเชื่อประเภทแฟลตให้เช่า/บ้านเช่า เพื่อไถ่ถอนจำนอง (Refinance In) ปี 2569
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สินเชื่อประเภทแฟลตให้เช่าสำหรับผู้ประกอบการ โครงการสินเชื่อเพื่ออาคารคาร์บอนต่ำ
(Project Loan For Carbon Reduction Building) ปี 2569
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สินเชื่อพัฒนาโครงการ (Pre Finance) สำหรับผู้ประกอบการโครงการภาครัฐ ปี 2569
ธอส.
สินเชื่อพัฒนาโครงการ (Pre Finance) สำหรับผู้ประกอบการโครงการสินเชื่อเพื่ออาคารคาร์บอนต่ำ
(Project Loan For Carbon Reduction Building) ปี 2569
ธ.ก.ส.
โครงการสินเชื่อเพื่อ SME ไทยไชโย
ธ.ก.ส.
โครงการสนับสนุนการขยายธุรกิจ และเพิ่มศักยภาพการดำเนินงานของสถาบันเกษตรก (ดย.)
ธ.ก.ส.
สินเชื่อการค้าต่างประเทศ (Trade Finance)
About SME & Business Loans
Every SME loan is built for a different purpose — some are short-term working capital, others fund machinery or long-term expansion. Rates are usually tied to a bank's own reference rate, such as MLR, MRR or MOR, plus a margin that depends on the risk profile of the individual business, not a single fixed number like a personal loan. Credit limits and collateral requirements also vary widely — some loans are unsecured up to a limit, others require land or business assets as collateral.
CheckDi compiles SME loans from banks and finance providers across Thailand using the Bank of Thailand's public product data, so you can compare credit limits, interest rates and conditions from every provider in one place, free of charge.
How to choose SME & Business Loans
- Be clear on the purpose first — working capital, fixed-asset purchase or expansion — since each fits a different type of loan.
- Compare rates by looking at both the reference rate (MLR/MRR/MOR) and the margin the bank adds on top, not just the single headline number.
- Check whether the loan requires collateral, and if so, what type of asset is accepted.
- Check the repayment term and how the credit line is drawn down, and whether that matches your business's cash flow.
- Ask about related fees, such as the loan arrangement fee and the line-cancellation fee, since these add to the total cost.
- Prepare your business's financial documents — financial statements and account transaction history — since lenders use these to decide the credit limit and rate they offer.
Frequently asked questions
How is an SME loan different from a personal loan?
An SME loan is assessed mainly on the business's financial statements and cash flow, not just the owner's personal income, so the credit limit is usually much higher than a personal loan. The rate is tied to the bank's reference rate plus a margin based on that specific business's risk, unlike a personal loan, which typically has a fixed rate set by income bracket.
What are MLR, MRR and MOR, and how do they differ?
All three are reference interest rates each bank sets itself and uses as the base for pricing loans. MLR (Minimum Loan Rate) is usually used for longer secured loans, MOR (Minimum Overdraft Rate) for overdraft facilities, and MRR (Minimum Retail Rate) for general retail loans. Each bank publishes different levels for these rates and adjusts them with market conditions, so check the current rate with the bank before comparing.
My business is new and has no financial history — can I still get an SME loan?
It depends on the lender's own criteria. Some institutions offer products for start-ups that use other evidence instead of financial statements, such as a business plan or bank transaction history. In general, though, the approved credit limit tends to be lower and the rate higher than for a business with a full financial track record. Ask each institution about its specific requirements directly.
What's the difference between an unsecured and a secured SME loan?
Unsecured loans are approved faster and need no collateral, but the credit limit is usually more limited and the rate higher because the lender carries more risk. Secured loans — backed by land or property, for example — usually offer a higher credit limit and a lower rate, but require a collateral appraisal process that takes longer.
What documents should I prepare before applying for an SME loan?
Lenders generally want financial statements, business registration documents, bank transaction history, and a plan for how the funds will be used. If you're offering collateral, you'll also need its ownership documents. Complete, consistent documentation speeds up the approval process — confirm the exact document list with each institution before you apply.
