Smart Finn, the leading matching platform for real estate pawning, reinforces its organizational credibility by partnering with the Small and Medium Enterprises Development Bank of Thailand (SME D Bank) through the SME Venture Capital Fund (Sub-Fund 1). This collaboration aims to drive sustainable business growth and assist SMEs and the general public in accessing funding through the real estate pawn matching platform, using house titles, land, and condominiums as collateral at low-interest rates. The platform emphasizes fairness between buyers and sellers while adhering to principles of governance, transparency, and accountability.

Dr. Parit Rattanamahawong, CEO of Smart Finn Solutions Co., Ltd., stated that Smart Finn has become the first standard matching platform in Thailand, focusing on legally compliant connections between benevolent buyers and those seeking funding or sellers. With land titles or condominium ownership documents as collateral, sellers can receive funding at a low annual interest rate of 9%. A team of experts is available to provide transaction advice, ensuring sellers receive the best offers under fair, legal, and secure standards. Smart Finn is more than just a funding access channel; we are a bridge connecting opportunities and success through governance and transparency, Dr. Parit added.

In a challenging economic environment both in Thailand and globally, many SMEs struggle to access funding to enhance liquidity or advance business development. Due to banks' stringent credit assessment criteria and loan approval limitations, some SMEs are unable to secure loans and must resort to high-interest loans from informal sources, with rates reaching 24-36% per year, while the average profit margin for SMEs is only 10-15%. Smart Finn recognizes this issue and is committed to creating opportunities for SMEs by developing a real estate pawn matching platform that allows land title or condominium ownership holders to use their assets as collateral to access funding.

Smart Finn's platform acts as an intermediary between “benevolent buyers” and “sellers,” using land titles as collateral. The asset value is assessed by a private company regulated by the Securities and Exchange Commission (SEC) to determine an appropriate loan amount based on asset quality, ensuring fairness and preventing underpricing. Sellers can transact conveniently and quickly without extensive documentation, as credit checks and bank history are not required. Throughout the contract duration, sellers can utilize the pawned property as usual, such as living in it, renting it out, conducting business, or farming, and can redeem their assets at any time, with expert staff providing support and assistance at every step. Benevolent buyers can access quality real estate investments and receive worthwhile returns, earning the trust of both buyers and business owners for over eight years, having closed deals worth over 10.8 billion baht.

Dr. Patimakorn Jai-on, Chief Operating Officer, added that 2025 marks another significant step for Smart Finn, focusing on strong and sustainable growth through investment with SME D Bank via the SME Venture Capital Fund (Sub-Fund 1). This collaboration not only supports funding but also enhances Smart Finn's capabilities in various dimensions, including good governance practices and organizational standards, creating opportunities for SMEs to access funding efficiently while advancing towards stable growth.

The goal of the joint venture between Smart Finn and SME D Bank is to expand support for small entrepreneurs to access funding effectively. The capital from this collaboration will be used to develop business plans, such as expanding the real estate pawn service area beyond Bangkok, the metropolitan area, and major cities in 46 provinces, aiming to cover more provincial areas. Additionally, it will enhance team performance, marketing, and financial technology connections, benefiting SMEs and the general public in accessing legal funding conveniently and quickly, driving the Thai economy forward.

In the long term, the SME Fund (Sub-Fund 1) will help expand Smart Finn's market and create a solid foundation in preparation for the company's future entry into the stock market. The collaboration with SME D Bank represents a significant opportunity for Smart Finn to move forward confidently while contributing to the sustainable growth of the country's economy,” Dr. Patimakorn concluded.

For SMEs and individuals seeking funding to start new businesses or enhance liquidity, please contact Smart Finn at https://www.smartfinn.co.th/, Line ID: @smartfinn, and Facebook Fanpage: Smartfinnsolutions, or call 02-937-2289, 099-249-9255, Monday to Friday, from 9:00 AM to 6:00 PM.


Additional Information
Smart Finn, a standard real estate pawn service platform, has been operating as a legal entity for over 8 years, registered as an electronic commerce business with the Department of Business Development and as a digital platform with the Electronic Transactions Development Agency (ETDA) to ensure transparency and fairness for both sellers and buyers. The platform boasts over 46,000 registered sellers and more than 4,700 buyers.