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As of the first quarter of 2025, small and medium enterprises (SMEs) loans decreased by more than **** percent compared to the same period in the previous year. The growth and slight fluctuations in SME loans were primarily the result of the rehabilitation credit scheme, done through credit assistance and debt restructuring. 

Micro, small, and medium enterprises (MSMEs) financing in Thailand

MSMEs can seek funding mainly from commercial banks. Most of the leading commercial banks in Thailand have lending schemes specifically designed for small businesses. These schemes let firms with a certain level of capital apply for different types of loans depending on the availability of collateral and their preferred installment period. Furthermore, MSMEs may also acquire loans from other financial institutions, such as thrift and credit union cooperatives. The business value for thrift cooperatives and credit union cooperatives mainly comprises credit services from business and personal accounts, acting as a community-level accessible financial institution compared to commercial banks.

Growth potential for MSMEs in Thailand

  Access to funding and financial support for MSMEs in Thailand has provided a solid foundation to facilitate a firm’s daily operations. According to the potential growth index for MSMEs, these firms have little to no likelihood of relying on informal loans, preventing potential financial issues from faulty lenders. MSMEs have also managed to maintain a loyal customer base, which is one of the leading growth factors for their businesses. However, MSME entrepreneurs in Thailand still need support in terms of business training since many still operate without skilled staff, business knowledge, or resources.