Thai Ace Capital

What Thai Ace Capital does

Thai Ace Capital (บริษัท ไทยเอซ แคปปิตอล จำกัด) is a privately held Thai non-bank financial services provider operating under the ThaiAce Group conglomerate, with registered capital of 808 million THB and claimed experience of over 30 years in financial services. The company is licensed and regulated by the Bank of Thailand as a personal-loan operator under supervision and by the Ministry of Finance as a nano-finance operator. Its operating base is a single headquarters office at 555 Na Nakorn Road, Bangkok, with a workforce of 11-50 employees and no disclosed subsidiaries or alternative office locations.

The company's product portfolio spans secured and unsecured lending for both individuals and SMEs. Secured products include mortgage loans on residential and commercial property (houses, land, condos, offices) with repayment terms of 1-12 years, hire purchase for cars, pickup trucks, trucks, and motorcycles, and financial leasing for machinery, forklifts, and office equipment (12-36 months). Unsecured products include promissory-note business loans for SME working capital (12-120 months) and accounts receivable factoring with credit terms up to 90 days. Distribution is direct-to-customer via walk-in, a phone hotline (+66 2744-2222), a LINE Official account (@thaiace.cap), and an online application form on the company website, with content marketing through a blog/news section and email newsletter.

Revenue is generated primarily through interest income on loans and loan origination fees, both capped by Thai regulation at a combined 15% per year (with origination fees separately capped at 5% of loan amount). Customer segments are individual consumers seeking personal, mortgage, or vehicle financing and SME/corporate borrowers seeking working capital, equipment financing, or factoring. On 2025-03-08, the company announced the cancellation of its personal credit services under supervision and microfinance credit services for professional businesses under supervision, narrowing the active product set. No public revenue, funding rounds, AI/ML capabilities, or API offerings are disclosed.

Name

Thai Ace Capital

Legal name

บริษัท ไทยเอซ แคปปิตอล จำกัด

Website

https://tcapital.co.th

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Thai Ace Capital is a Bangkok-based non-bank lender under ThaiAce Group offering mortgage, hire purchase, unsecured SME promissory notes, factoring, and equipment leasing to individuals and SMEs in Thailand. It is regulated by the Bank of Thailand, licensed for nano finance, and funded with 808 million THB registered capital.

Ownership category

akta.pro rank

Product category

Non-Bank Financial Services

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

SME Term Loans & Growth Capital (FSAKAGAB)

akta.pro secondary industries

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Non-bank lending
• Mortgage loans
• Vehicle hire purchase
• SME business loans
• Accounts receivable factoring

Headquarters

HQ city

Bueng Kum

HQ country

Thailand

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Loan Interest Income: Primary revenue from interest charged on mortgage loans, vehicle loans, and business loans. Interest rates capped at 15% per year for mortgage loans.
2. Loan Fees and Service Charges: Fees charged for loan origination and processing, capped at 5% of loan amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Thai Ace Capital is a Thailand-licensed non-bank financial services provider offering secured and unsecured loans to individual consumers and SME/corporate businesses. Its product suite includes mortgage loans (on houses, land, condos, offices, and commercial buildings), vehicle hire purchase (cars, pickup trucks, trucks, motorcycles), unsecured business promissory notes, accounts receivable factoring, and equipment leasing. Interest rates are capped at 15% per year and loan fees at 5%, with repayment terms ranging from 1 to 12 years for mortgages and 12 to 120 months for business loans.

Product overview

Thai Ace Capital is a non-bank financial services provider (Non-bank) under ThaiAce Group, offering a comprehensive portfolio of loan and credit products. The product suite includes secured mortgage loans (property-backed lending for houses, land, condos, offices), vehicle financing (cars, trucks, motorcycles), unsecured business loans (promissory notes for SME working capital), accounts receivable factoring, and equipment leasing. The company serves both individual (personal) and business (SME & Corporate) customers with loan amounts determined by asset valuation and borrower creditworthiness. All products carry a maximum interest rate of 15% per year, with repayment terms ranging from 1-12 years for mortgage loans and 12-120 months for business loans.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Loan (Personal & Business) Mortgage loan product for purchasing or refinancing houses, land, condos, offices, and commercial buildings. Offered to both individual consumers (for personal homes) and SME/corporate customers (for commercial property). Loan amounts determined by asset valuation; repayment terms 1-12 years.
• Vehicle Hire Purchase (Personal & Business) Vehicle financing for cars, pickup trucks, trucks, and commercial vehicles (including ten-wheelers and tractor heads) for both personal and business use. Includes financing for new and secondhand vehicle purchases as well as refinancing of existing vehicle loans.
• Motorcycle Hire Purchase Motorcycle financing for individual consumers purchasing new or secondhand motorcycles, with refinancing options for existing motorcycle loans.
• Unsecured Business Loan (Promissory Note) Short-term unsecured business loan for working capital needs of SMEs and corporate businesses, structured as a promissory note loan. Repayment terms from 12 to 120 months. Available for business customers including newly started businesses.
• Accounts Receivable Factoring Factoring service allowing businesses to sell their trade receivables, including invoices, purchase orders, and service contracts, for immediate cash. Credit terms up to 90 days. Targeted at SME and corporate customers needing short-term liquidity.
• Equipment Leasing (Financial Lease) Financial lease product for equipment financing including industrial machinery, forklifts, and office equipment. Targeted at SME and corporate business customers for new or secondhand equipment, with repayment terms of 12 to 36 months.
• Additional Financial Services (Planned) Additional financial services category under development by the company, marked on the website as forthcoming.

Quantifiable outcome

• Loan approval decisions with fewer steps than banks

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• ThaiAce GroupparentOthersParent company/group. Thai Ace Capital is a company within ThaiAce Group (บริษัทในกลุ่มไทยเอซ). ThaiAce Group website: http://www.thaiacegroup.com

Scale indicators3 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Srisawad Corporation: Srisawad is a large Thai non-bank lender offering hire purchase, personal loans, and SME credit with nationwide branches. Directly comparable to Thai Ace Capital's product mix, customer segments, and regulatory posture.
• NgernTidLor (NTL): NgernTidLor is a Thai non-bank personal and nano-finance lender serving bank-rejected borrowers, with a strong branch and digital footprint. Highly comparable in target customer and product type.
• AEON Thana Sinsap (Thailand): AEON Thailand is a major Thai hire-purchase and personal credit provider focused on consumer durables and auto financing. Comparable on vehicle financing and unsecured personal lending to Thai Ace Capital's hire purchase and motorcycle products.
• Muangthai Capital: Muangthai Capital is a Thai non-bank lender offering personal loans, hire purchase, and nano finance. Directly comparable business model, customer base, and regulatory licensing.
• Singer Thailand: Singer Thailand provides hire purchase and consumer finance to lower-income Thai consumers. Comparable target segment (subprime retail) and product focus (vehicle and consumer goods financing).
• Sathapana Leasing: Sathapana provides Thai SME and consumer lending, hire purchase, and nano finance. Comparable as a non-bank Thai lender with overlapping SME and personal credit product lines.
• Easy Buy Public Company (Thailand): Easy Buy is a Thai hire-purchase and personal loan provider focused on consumer durables and motorcycles. Comparable product mix (hire purchase, personal credit) and customer base.

Broad incumbents

• Kiatnakin Phatra Financial Group (KKP): KKP operates commercial banking plus a sizeable auto/hire-purchase and capital-markets business in Thailand. Comparable as a broader financial services incumbent with overlapping hire purchase and SME lending.
• Krungsri (Bank of Ayudhya) Auto / Hire Purchase: Krungsri is one of Thailand's largest banks with a major auto and personal loan franchise. Comparable on consumer auto/hire purchase lending, though operates with a deposit-funded, broader bank model.

Others

• JMT Network Services: JMT is a Thai non-performing loan management and debt-buying firm. Adjacent ecosystem participant in the same Thai non-bank credit chain where Thai Ace Capital operates as originator.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/tech-isi

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Thai Ace Capital