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Here’s How You Can Quickly Get Your Loan Approved!


For many who have been running their business, financial liquidity becomes a top priority as it is crucial for sustaining your business. Seeking loans is often a top choice for securing working capital or funding to support business growth.  

How to Prepare for Loan Approvals 

Getting a loan approved requires more than just preparing essential documents. The success lies in a good financial transaction history and demonstrating strong financial management. Most lenders base their approval decisions on the following criteria: 

  •   Credibility of the borrower: Assessed based on work history, financial background, and other personal information. 
  •   Repayment ability of the borrower:  Criteria may vary depending on the type of loan. 
  •   Purpose of the loan: Considered along with the presence of a guarantor or collateral. 

Additionally, lenders will also consider other external factors which may affect your ability to repay the loan such as the economic and social conditions or on-going conflicts which can increase the cost of daily essentials.

When applying for a loan, you must prepare by managing financial accounts effectively to build credibility and increase the chances of loan approval. Here are some key factors that can help with the approval process: 

  •   Register your business with relevant parties: Having a good legal standing means half the work is already done! Legally registering your business confirms that it is operational and enhances your loan approval chances through accurate tax reporting. 
  •   Maintain regular account transactions:  Keep a clear record of all income and expenses related to your business, in particular operating costs, trade creditors, trade debtors, and inventory. This builds credibility and helps lenders with the approval process.  
  •   Minimise outstanding debts: While having some debt can build credit history, showing your ability to repay is a key factor in loan approval. 
  •   Choose the right type of loan for your business: Select the loan type that suits your business needs while taking into account expenses, debt obligations, and income. Remember that loan repayments include interest as part of your repayment obligations. 

Last but not least, the easiest solution is to run a business that uses NTT DATA Payment Services payment system, where merchants can apply for working capital loans directly from us.

We offer special business loans with favourable interest rates exclusively for SMEs as well as small retailers using our payment systems. Key features include:  

·    Loan repayment terms of up to 12 months  

·    No collateral required  

·    Loan amounts up to 750,000 THB 

·    Special services for our merchants 



For more information, visit https://th.nttdatapay.com/businessloan-th