"Krungsri Auto", a leader in automotive finance under Bank of Ayudhya PCL, continues to empower sustainable business growth for Thai SMEs with "Krungsri Fleet and Leasing", a financing solution designed to meet the needs of corporate clients. Krungsri Fleet and Leasing enable entrepreneurs to purchase vehicles for business use while enhancing cost management and liquidity. Covering both fleet purchases (multiple vehicles at once) and leasing for individual units, Krungsri Fleet and Leasing offers two financing options - hire purchase agreement and financial lease. These are tailored to diverse needs, with the added benefit of corporate income tax deduction under typical accounting standards. Businesses also enjoy special promotions, including attractive interest rates and repayment terms of up to 60 months, along with Krungsri Auto's hallmark of transparency, clarity, and confidence in financial planning.
Over the past year, Thai SMEs have faced mounting challenges, particularly from rising financial costs and expenses. While the recent policy rate cut by the Monetary Policy Committee (MPC) in 2025 helps ease financial pressure, liquidity remains a critical concern. Effective cash-flow management and tax planning are therefore key tools businesses seek to enhance profitability. At the same time, vehicles remain indispensable to business continuity. Financing options such as hire purchase and financial lease for business vehicles provide an effective way to maintain operations and support long-term growth.
Therefore, Krungsri Auto introduces Krungsri Fleet and Leasing, a financing solution that supports both passenger cars and commercial vehicles, including pickup trucks, vans, trucks, trailers, and tractors. Businesses can choose between hire purchase or financial lease, eliminating the need for large upfront cash payments while enjoying fixed monthly installments. Leasing expenses can also be fully deducted as operating costs for corporate income tax purposes, helping entrepreneurs manage cash flow and taxes efficiently.
Five key benefits of Krungsri Fleet & Leasing:
- Tax efficiency: Lease payments are deductible as business expenses under normal accounting standards.
- Improved cash flow: Monthly installments under financial lease terms preserve liquidity and provide full accounting benefits.
- No large upfront payments: Businesses can invest in vehicles without heavy initial costs.
- Fixed interest rate throughout the contract: Ensures effective long-term financial planning.
- Transparent and straightforward terms: Enhances clarity and confidence in financial management.
Product details:
Fleet Financing
- Covers new passenger and commercial vehicles.
- Credit lines starting from 10 million baht.
- One-year credit line term, renewable upon document submission and approval.
- Contract duration: 12-60 months.
Financial Leasing
- Supports new passenger cars, vans, and pickup trucks.
- Contract duration: 36-60 months.
- Reducing-balance interest calculation with fixed effective rates throughout the term.
For convenience, customers can make installment payments through multiple channels nationwide, including Bank of Ayudhya counters, ATMs, and online banking, direct debit, as well as Lotus's, 7-Eleven, Counter Service, Thailand Post, and CenPay.