EXIM Happier Credit

A pre- and post-shipment revolving fund to enable SMEs to start up to their export business to a greater extent.

1st year 2nd year 3rd year onward
5.50% per annum. Prime Rate – 0.50% per annum. Prime Rate per annum.

Remark : The Prime rate on June 30, 2020 is 5.75% per annum.
  • New customers : credit line up to 700,000 baht per customer.
  • Existing customers who currently have the EXIM Happy Credit (HPC) : Able to request an additional credit line up to 1,000,000 baht per customer.

(F/X limit equal to credit limit).

  • Managing Director Guarantee
  • Must be a Thai company registered.
  • At present, there is no other credit line with the EXIM bank except EXIM Happy Credit (HPC).
  • Pass the National Credit Bureau (NCB) check.
  • Shareholders' equity (latest year) is positive.
  • Non-NPL status with respect to financial institute, For NPL exporter, loan must be restructured with normal repayment records.
  • P/N not exceeding 180 days (Pre+Post Shipment).                                                 
  • Export document is required for post shipment under T/T condition.


  • SMEs that participate in the EXAC and Post Training Center will receive a 150% interest reduction on the first year at the rate of 0.50% per year.
  • For SMEs participating in and registering in various activities of the Bank, the first interest rate will be reduced at the rate of 0.50% per year, totaling 100 people.
  • In the event that the customer wishes to use the privileges Reducing interest at the first year at the rate of 0.50% per annum. Can choose only one option
  • For SMEs participating in measures to encourage entrepreneurs to make accounting in accordance with the true state of affairs of the Department of Revenue. Will receive an interest reduction of the first year by an additional 0.25% per year
  • In this regard, the reduced interest rate after receiving the benefits must not be less than 4.50% per annum.
  • Approval period from today until March 31, 2021.



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