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TBN Business Solution Lending is the flagship strategy driving TBN Corporation Public Company Limited's business direction for 2026. The company is making a major strategic pivot, pushing hard into the banking and financial services (BFSI) sector while shifting its model toward Business Solution Sales — combining AI and Low-Code technology to accelerate digital transformation for enterprise clients.
TBN Business Solution Lending: What Revenue Growth Is TBN Targeting for 2026?
Mr. Panayu Sirikrachangsri, CEO of TBN, revealed that the company targets 15-20% revenue growth over last year. This comes as TBN shifts its business strategy from simply offering technology to becoming a full-fledged Business Solution provider. Specifically, this strategy focuses on analyzing pain points and gaining deep industry insight to design tailor-made solutions that deliver direct results for clients.
TBN Business Solution Lending: What Does the End-to-End Lending Platform Cover?
This year's core strategy centers on the banking and financial services (BFSI) sector, which continues to demand technology investment amid elevated household debt levels. TBN's flagship "End-to-End Lending" platform covers the full lending lifecycle — from loan origination and loan portfolio management to debt collection and non-performing asset (NPA) management.
By combining a Low-Code platform with AI technology, TBN has cut system development time from what once took 1-2 years down to just a few months. This significantly boosts agility and competitive advantage for client organizations. The End-to-End Lending solution has already attracted strong interest, with 3-4 national finance companies currently using it and several more deals under negotiation.
In addition, TBN continues to explore expansion opportunities through mergers and acquisitions (M&A) and joint ventures with strategic partners, aiming to complete its ecosystem, reach new customer segments, and build a New S-Curve for long-term growth.
Q1 2026 Financial Results and Backlog
For Q1 2026, TBN reported total service revenue of 86.92 million baht, down 11% year-over-year (YoY), with a net loss of 5.90 million baht. This was primarily driven by a broader economic slowdown, which caused some clients to delay large-scale investment decisions, compounded by shifting market demand amid the rise of AI technology. Meanwhile, the company maintained fixed cost structures to prepare personnel for long-term expansion, which pressured short-term profitability.
However, management noted that TBN has accelerated strict cost-efficiency measures to return profitability to normal levels quickly. The company's focus on lending and debt management solutions — its core expertise — is already showing clear results through a steady stream of new business opportunities.
As of the end of Q1 2026, TBN's backlog remained strong at 284 million baht, comprising 31 million baht in digital development and consulting work, 223 million baht in system maintenance and technical support, and 30 million baht in other work. The company expects to recognize approximately 164 million baht in revenue this year, with the remaining 119 million baht recognized in the following year.
In summary, TBN Business Solution Lending represents the company's core growth driver throughout 2026 and beyond. TBN sees this shift toward Business Solution Sales as more than a change in sales approach — it's a fundamental shift in how the company understands and serves its clients, moving from selling individual technology pieces to deeply understanding client problems before designing solutions. As a result, TBN's sales and development teams now work more closely together, ensuring every solution delivers genuine business value rather than just technical features.
Organizations interested in TBN's End-to-End Lending solution can explore the Lending Management System, or learn more about the company's AI-driven approach in TBN's AI Debt Collection strategy.
Frequently Asked Questions
Q: What revenue growth is TBN targeting for 2026?
A: TBN targets 15-20% revenue growth over last year, driven by its shift to Business Solution Sales.
Q: What does TBN's End-to-End Lending platform cover?
A: It covers loan origination, loan management, debt collection, and non-performing asset (NPA) management.
Q: How did TBN perform in Q1 2026?
A: TBN reported 86.92 million baht in service revenue, down 11% YoY, with a net loss of 5.90 million baht amid a broader economic slowdown.
Q: What is TBN's backlog as of Q1 2026?
A: TBN's backlog totals 284 million baht, with approximately 164 million baht expected this year and 119 million baht in the following year.
Adapted from eFinanceThai
