Mr. Sitthikorn Direksuntorn, Director and General Manager of the Small Industry Credit Guarantee Corporation (BSP), revealed that due to the continued contraction in business loans, especially SME loans which have declined for 13 consecutive quarters, BSP introduced the “Quick Big Win” credit guarantee measure with a 50 billion baht limit in mid-December 2025 to serve as a key mechanism encouraging financial institutions to lend more.
After about one month of accepting credit guarantee applications, as of 15 January 2026, the guarantee volume has surpassed 5 billion baht, resulting in 5.279 billion baht in loans within the financial system. This has helped 6,870 SMEs obtain additional financing, preserved 28,000 jobs, and generated economic benefits from the guarantees exceeding 20.65 billion baht.
The current guarantee volume reflects that this measure is an effective mechanism encouraging financial institutions to lend more. It increases opportunities for small SMEs to access formal credit more easily, covering vulnerable groups, small entrepreneurs, Micro SMEs, vendors, online traders, and freelancers. The guarantee limits range from 10,000 baht up to general SMEs and Supply Chain groups with a maximum guarantee of 40 million baht. The measure features four key advantages:
1. Free guarantee fees for the first 3 years to reduce the financial burden on SMEs.
2. Low fees starting at just 1% per year based on the remaining loan balance from the 4th year onward.
3. Fees calculated according to risk level (Risk-Based Pricing) using BSP’s Credit Scoring system.
4. High compensation rates for non-performing loans (Max Claim) to further stimulate SME lending.
Mr. Sitthikorn added that BSP has also prepared to operate the “SMEs Credit Boost Credit Guarantee Mechanism” project, a risk guarantee mechanism for new loans, in collaboration with the Bank of Thailand, the Ministry of Finance, the Thai Bankers’ Association, and the International Bankers’ Association. Operating this project links BSP’s current operating model with the SMEs Credit Boost program, enhancing BSP’s capacity to assist SMEs in Thailand more effectively.
SME entrepreneurs interested in participating in the “BSP Quick Big Win” credit guarantee measure can check their financial health and book a free consultation via LINE OA: @tcgfirst or contact any of BSP’s 11 regional offices nationwide, or the BSP Call Center at 02-890-9999.
Read the news " Government policy " for more information.