Check Conditions for GSB Top-Up Liquidity Boost Loan: Up to 10-Year Installments with 1 Year Principal Holiday

Government Savings Bank (GSB) has launched the 'GSB Top-Up Liquidity Boost' loan with a total fund of 2 billion baht to assist SMEs in increasing working capital. The loan offers repayment terms of up to 10 years and a principal payment holiday of up to 1 year.

On 5 Aug 2026, Mr. Songpol Chiwapanyarot, Director of Government Savings Bank, announced the launch of the 'GSB Top-Up Liquidity Boost' loan totaling 2 billion baht. This loan aims to support the bank’s SME business loan customers by providing working capital to cover operating expenses for up to 12 months, with repayment terms up to 10 years. The loan amount can reach up to 100% of the appraised collateral value to inject fresh capital, ensuring the business has sufficient liquidity to sustain operations, cover necessary expenses, and maintain employment during volatile economic conditions. This measure supports SMEs in overcoming challenges with stability.

Check loan applicant conditions and loan details.

For approval conditions of the 'GSB Top-Up Liquidity Boost' loan, Government Savings Bank has set entrepreneur qualifications and loan application details as follows.

• Borrower qualifications. Must be an SME entrepreneur who has been a GSB business loan customer for at least one year.
• Account status. Must have a normal account status as of 31 Mar 2026, with no payment overdue exceeding 90 days, and no debt restructuring history within the past year as of the loan application date.
• Purpose of funds. To be used as working capital, enhance liquidity, cover operating expenses, invest in assets, or redeem mortgages from other financial institutions, including mortgage redemption expenses.
• Loan types. Considered based on the necessity of the loan purpose and repayment ability, with options for both short-term (annual credit review) and long-term loans.
• Repayment period. Repayment terms of up to 10 years, with a principal payment holiday of up to 1 year.
• Interest rates and collateral. Interest rates follow the bank's business and SME loan policies, with collateral required.
• Total project fund. 2 billion baht.
• Maximum loan amount. Up to 100% of the appraised value of the collateral.
• Target group. Existing GSB SME business loan customers (at least 1 year).
• Application period. From now until 30 Dec 2026.

GSB's role in supporting Thai SMEs.

SME entrepreneurs are a crucial foundation of Thailand's economy. Government Savings Bank, as a state financial institution, has continuously implemented low-interest loan programs (Soft Loans) and liquidity support loans to reduce financial burdens on small entrepreneurs and help sustain employment levels in the labor market.

SME entrepreneurs who meet the criteria and need capital to improve business liquidity can apply for this loan from now until 30 Dec 2026 at any GSB branch nationwide.