Check Conditions for GSB QR Maha Heng x Whisper Bird Loan to Help Vendors

Government Savings Bank launches a loan "GSB QR Maha Heng X Whisper Bird" to help vendors borrow up to 50,000 baht, using sales through the Thung Ngern app for evaluation, with no guarantor required. Registration opens 24 Sept – 31 Oct 2026.

Government Savings Bank responds to the "Thai Help Thai Plus" initiative by launching loans to assist vendors.

Mr. Songpol Chewapanyaro, Director of Government Savings Bank, revealed that the bank is ready to support the Ministry of Finance's policy to extend the "Thai Help Thai Plus" project, increasing opportunities for vendors and small entrepreneurs to access formal financing more easily.

They utilize technology called "Whisper Bird AI" which specializes in summarizing and analyzing trade data, integrating it with the "GSB QR Maha Heng X Whisper Bird" loan, which uses actual sales and payment histories via the "Thung Ngern" application as criteria for loan consideration. This method helps solve limitations faced by small entrepreneurs who often lack formal financial statements or accounting documents typical of larger businesses.

By considering actual income and cash flow from sales, vendors can obtain loans to purchase raw materials, replenish stock, and use as working capital aligned with their trade cycles. It also helps build a good credit history, increasing chances of higher loan amounts in the future.

Loan conditions for "GSB QR Maha Heng X Whisper Bird"

Details and qualifications for applicants of the "GSB QR Maha Heng X Whisper Bird" loan are specified as follows.

• Target group Vendors and merchants using the "Thung Ngern" app under the Thai Help Thai Plus program.
• Income criteria Must have monthly sales through the Thung Ngern app of at least 10,000 baht for no less than 3 consecutive months.
• Loan amount Up to 50,000 baht per person (or not exceeding 1.5 times the average monthly sales over the past 3 months).
• Interest rate Fixed (Flat Rate) at 0.75% per month, equivalent to an effective annual rate of 16.20%.
• Collateral No collateral required.

This loan is designed as a short-term loan to align with the business cycles of small entrepreneurs, emphasizing consistent repayment discipline.

Registration method and dates

Interested entrepreneurs can register for the loan via the Government Savings Bank website from 24 September to 31 October 2026. The bank will start reviewing and approving qualified applicants from 1 October 2026 onward.

Additionally, Government Savings Bank offers other low-interest loan products to support entrepreneurs seeking long-term capital or business expansion, reinforcing its position as a "Bank for Every Life," aiming to build financial stability for the Thai people.

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