Sorry to report that if your girlfriend is not highly educated, is from Isan, has darker than white skin and is not a landowner and not a multimillionaire (Thai Baht), then it will be extremely difficult or worse. Easiest visa to get is a fiancé visa to your home country. That should only take 2 years or so. Good luck.
ok, let’s say you can swim upriver against the current and convince all the people who will have some kind of power over your business that you are the one who doesn’t need a Thai business partner. Then you invest your large sum of money to get no return on investment or lose plenty of money by adding your last bit of money to keep it afloat or make a paltry 1% or 2%. Better to put the money in a high yield savings account in your home country to at least earn 4
Most of the people who have had problems with Wise have used Wise as a bank account. Others have had issues with the Wise debit card. If you use Wise only to transfer money from your bank to your other bank account, you will not have issues. Don’t store money at Wise and don’t use Wise debit card.