The TCG (Thai Credit Guarantee Corporation) promotes the “3-Prompt” strategy—“Prompt Guarantee, Prompt Help, Prompt Plus+”—aimed at reducing financial inequality while upgrading the organization and expanding SMEs’ access to credit from financial service providers. The goal is to push guarantee volumes beyond 70 billion baht this year, launching four new positive engines to drive SME support in Thailand. TCG is expanding its role as a central platform connecting SMEs to funding sources, linking with Virtual Banks to transform credit guarantees to meet the demands of modern finance.
Dr. Sitthikorn Direksuntorn Dr. Sitthikorn Direksuntorn, Director and General Manager of the Thai Credit Guarantee Corporation (TCG), revealed that in the first two months of 2026, TCG’s credit guarantee volume reached 14.567 billion baht, helping 17,853 SMEs obtain loans and generating economic benefits of 60.16 billion baht. This supported SMEs’ credit, which had contracted for 14 consecutive quarters. Compared year-on-year, the guarantee volume was 4.43 times higher. The main goal for 2026 is to expand TCG’s credit guarantee role to create opportunities for SMEs, serving as a key tool to stimulate the grassroots economy. The focus is unlocking SME credit access for strong, sustainable growth under four main concepts:
1. Reducing financial inequality among SMEs (Financial Inclusion)
2. Increasing SMEs’ access to credit through TCG
3. Upgrading the organization to support innovations in financial technology
4. Connecting to the digital financial ecosystem
Under this concept, in 2026, TCG promotes the “3-Prompt” strategy—“Prompt Guarantee, Prompt Help, Prompt Plus+.” Building on last year’s “TCG Prompt Guarantee, Prompt Help” measures, this strategy intensifies SME assistance to comprehensively address their diverse needs. It focuses on developing new credit guarantee products and financial service access channels, leveraging digital technology as a driving force to integrate TCG into the digital ecosystem. The plan includes applying AI in internal processes and collaborating with digital lending partners to meet the demands of modern finance. It also aims to develop Digital Credit Guarantee services for upcoming Virtual Banks, aligning with TCG’s organizational upgrade strategy. The “3-Prompt” strategy consists of:
1. “TCG Prompt Guarantee” aims to push guarantee volume beyond 70 billion baht, focusing on vulnerable groups.
Under the measure “TCG Prompt Guarantee” This year, the target is to guarantee over 70 billion baht in credit, including 50 billion baht under the “TCG Quick Big Win” scheme and more than 20 billion baht through other measures. This will generate over 80 billion baht in loans from financial institutions, assisting 67,500 SMEs to access credit, preserving 615,000 jobs, and creating economic benefits exceeding 295 billion baht. The focus this year is to develop products that specifically meet the needs of various SME groups through key programs, including:
The TCG Quick Big Win credit guarantee measure Since its launch in mid-December through 28 February 2026, the program has guaranteed 16.5 billion baht in loans, with full approval of the 50 billion baht quota expected by mid-2026. This successful program helps SMEs access credit by offering 7-year guarantees, waiving guarantee fees for the first three years, and introducing Risk-based Pricing (RBP) for the first time in a government measure. The fee starts at 1%, with increased maximum claim rates to absorb credit cost risk and reduce loan rejection rates, thereby boosting financial institutions’ confidence in lending to SMEs.
Other measures These include the credit guarantee for pickup truck hire-purchase loans called “Pickup Brother Has a Guarantee Warehouse,” with a remaining limit of 3.5 billion baht, extended to the end of 2026. This year, cooperation with captive finance units of automotive brands has expanded, supporting the 2026 Motor Show from 25 March to 5 April. Additionally, TCG operates projects to extend guarantees to non-bank nano-finance providers, numbering over 70 nationwide, to assist micro SMEs considered vulnerable and facing difficulties accessing institutional credit. Guarantees focus on limits not exceeding 100,000 baht per debtor.
2. “TCG Prompt Help” advances debt relief and knowledge enhancement to free SMEs from debt
In 2026, TCG continues as a “helper” for SMEs in two ways: through the “TCG Prompt Help” measure, “TCG Prompt Help” This assists debtors for whom TCG has paid claims, focusing on debt reduction and sustainable restructuring. Specially, debtors seeking debt relief and account closure can get up to a 50% principal reduction if classified as “vulnerable” with remaining debt not exceeding 200,000 baht, and up to 40% reduction for SMEs with remaining debt over 200,000 baht. The goal this year is to restructure debts for more than 6,000 debtors, up from 5,835 in 2025, and to help at least 1,000 debtors clear their debts, up from 992 last year. A key highlight is the convenience for debtors to apply for the “TCG Prompt Help” program and select suitable repayment plans independently via LINE OA: @tcgfirst.
Moreover, TCG reinforces its role as the “SMEs Financial Advisory Center” (TCG F.A. Center) This year, the focus is on proactive work to enhance knowledge and vocational skills, expanding partnerships in the “SMEs Helping SMEs” model or TCG Financial Hub with educational institutions and partner agencies. Two new centers have been added this year: Suranaree University of Technology and Walailak University. Additionally, TCG organizes Business School on Tour programs to assist SMEs in collaboration with its 11 regional offices nationwide.
3. “TCG Prompt Plus+” launches four new positive engines to drive SME support
Throughout 2026, TCG has introduced financial tools under the “TCG Prompt Plus+” measure, using digital technology as the driving force to upgrade the organization and launch four new positive engines, namely:
1. Enhancing TCG’s Operating Model to integrate with the SMEs Credit Boost program This targeted measure leverages TCG’s 35 years of expertise managing large economic stimulus measures, expected to generate over 100 billion baht in loans. It aims to improve TCG’s operating capabilities while expanding partnerships with new credit providers such as foreign commercial banks and increasing awareness across all business sizes and sectors.
2. Adding the TCG Score credit scoring tool (As-a-Service) Integrated with the Ministry of Finance’s credit scoring and other providers, this tool will offer comprehensive credit scoring for micro SMEs or “vulnerable groups,” aiming to reduce financial inequality per the Ministry’s policy. It also provides financial health checks through “TCG Score As-a-Service” to partner organizations, serving as a risk-based financial tool tailored to each target group’s needs.
3. Expanding the digital platform for SMEs to access services first and fast Transforming TCG’s service delivery (New Customer Journey: Online to Offline), SMEs can approach TCG directly to develop and enhance their credit capacity. TCG acts as an SME gateway, connecting all SME groups seeking credit with appropriate financial service providers.
4. Introducing the “PromptClaim Management” tool For financial institutions, this revamps service delivery with real-time loan limit reservation per case (PromptClaim Dashboard). Services include case-by-case guarantees, claims, loan limit reservations, and portfolio-based claim management (Max Claim by Portfolio) that institutions can handle themselves. This service is planned to launch in May.
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