​​​​​​​​For Uninterrupted Operations
Helping to Grow SME

Types of Loan

• Long-term loan
• Promissory Note (PN)
• Overdraft (OD)
• Letter of Guarantee​ ​(LG)
  

Installment Period

Long-term loan : maximum 5 years

Loan Limit

3 million Baht

Interest Rates

MRR + 3% per year

Collateral

• Land
• Land and attached structures
• State leasehold
• Bank deposits
• Bonds
• State enterprise debentures
• Funds

Short-term Loan (Working Capital)

For business operations, term up to one year in 3 types

OD (overdraft)

• Covers checks written against current account with the Bank
• Interest compounded monthly on actual disbursements (calculated as of the last working day of the month).

PN (promissory note)

• Notes valid for 30-180 days
• Interest not compounded

LG ​(letter of guarantee​)

• Guarantees customer compliance with contract or other obligations with LG recipient, domestic or international.
• Annual fees not more than 2.5%.

Long-term loan

For investment in fixed assets such as land, buildings, factories, machinery, etc. with term longer than one year.

Loan

• The borrower may choose to receive the loan either (1) as a single payout for the purchase of fixed assets or (2) in installments to pay for ongoing construction.
• Repayment in monthly installments for a period not exceeding five years.
• Effective interest rates

Individual Person

• Copies of the national ID cards of applicant, applicant’s spouse, guarantor, and owner of collateral
• Copies of house registrations of applicant, applicant’s spouse, guarantor, and owner of collateral
• Copy of marriage or divorce certificate or spouse's death certificate (if any)
• Copy of name change certificates, if any, of applicant, applicant’s spouse, guarantor, and owner of collateral
• Copy of business registration and/or other government-issued documents
• Documents showing the revenues of the business
• Copy of collateral ownership document
• Tax Payer ID Card (if any)
• Letter of consent for creditworthiness check by National Credit Bureau

Juristic Person

• Copies of national ID cards of :
  • Managing director
  • Authorized signatories
  • All shareholders holding at least 20% of shares
  • All guarantors
  • Grantor and grantee of power of attorney
• Copies of house registrations of :
  • Managing director
  • Authorized signatories
  • All shareholders holding shares at least 20% of shares
  • All guarantors
  • Grantor and grantee of power of attorney
• Copy of Commercial Registration Certificate and copy of Objectives of Juristic Person issued not more than three months prior to submission
• Copy of Memorandum of Association and Articles of Association
• Copy of shareholder’s registration issued not more than three months prior to submission
• Latest financial statement submitted to the Revenue Department
• Tax payment documents or summary of monthly sales and purchase orders covering the past three months
• Documents showing business revenues
• ​​Tax ID card (if any)
• Minutes of company meeting resolving to apply for a KBank loan
• Letter of consent for creditworthiness check by National Credit Bureau