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Business funding in Saudi Arabia: providers, programmes and terms
Which funding suits your stage? Here are the government programmes and licensed channels, with their amounts and terms as published by the providers. We do not promise that any application will be accepted: the decision rests with the funder alone.
- SDB Entrepreneurs Financing: amount, terms and stepsSDB Entrepreneurs Financing: SAR 50,000 to SAR 500,000, repayment up to 9 years, 12-month grace period, fees, eligible project stages and mandatory training.Read the guide
- SDB products for businesses: Excellence, Horizon and FranchiseSDB products beyond Entrepreneurs Financing: Excellence up to SAR 4m, Horizon up to SAR 10m, and Franchise financing and its fast track, with the terms of each.Read the guide
- Loan Guarantee Programme (Kafalah) and Funding Gate: bank finance for businessesHow the Kafalah Loan Guarantee Programme works since moving to the SME Bank, its products, and how to apply through Funding Gate with a Monsha'at certificate.Read the guide
- SIDF: requirements, the mandatory feasibility study and Promising FactoriesSIDF loan requirements: a mandatory feasibility study and financial model, required study sections, Promising Factories up to 50% of cost, other programmes.Read the guide
- HRDF employment support: rates, conditions and how to applyHRDF employment support: 30% of a Saudi employee's wage, rising to 50%, including an extra 10% for SMEs, for 24 months, plus employee and wage conditions.Read the guide
- Crowdfunding for businesses: debt, equity and the limits of eachHow debt crowdfunding works under SAMA (up to SAR 7.5 million, repayment up to 60 months) and equity crowdfunding under the CMA (up to SAR 10 million a year).Read the guide
- Venture capital for startups: who invests and howHow government entities invest in startups: SVC (minimum SAR 1 million), Jada through funds only, and Aramco's Wa'ed Ventures up to USD 20 million.Read the guide
Is a feasibility study or business plan required?
| Programme | Requirement as stated in the official source |
|---|---|
| SIDF: project loans | Mandatory feasibility study with a financial model |
| SIDF: Promising Factories | Feasibility study and implementation plan |
| SDB: Entrepreneurs Financing | Business plan prepared during mandatory training of 5 to 7 days |
| SDB: Horizon and Excellence for Companies | Financial statements instead of a feasibility study |
| Funding Gate and the Loan Guarantee Programme | Commercial Registration (CR), Monsha'at certificate and whatever the funder requires |
| Debt-based crowdfunding | The platform assesses the business plan as part of due diligence |