SDB products for businesses: Excellence, Horizon and Franchise

Excellence Financing

For invention, innovation and emerging-technology projects. Financing ranges from SAR 500,000 to SAR 4 million, with total investment cost up to SAR 12 million, repayment up to 8 years, a grace period of up to two years, and fees of 9% administrative and 2% annual ^[1].

Excellence Financing for Companies

Up to SAR 700,000 for the operating cycle and up to SAR 2 million for capital expansion. Requirements include at least 3 years of operation, full Saudi ownership, a clean credit record, collateral and an own contribution, and financial statements for one or two years depending on the type of financing ^[2].

Horizon Financing

For businesses operating for at least 3 years with annual revenue of SAR 3 million to SAR 40 million. The amount ranges from SAR 300,000 to SAR 10 million, the term is up to 60 months, the grace period up to 12 months, and fees are 10% administrative and 3.5% annual. Documents include audited financial statements for the last 3 years ^[3].

Franchise Financing

Up to SAR 4 million, over up to 8 years including the grace period, disbursed in stages, with fees of 7% administrative and 2% annual ^[4]. There is also a franchise fast track of up to SAR 500,000, over up to 7 years, paid in a single disbursement and linked to the licensed brands portal ^[5].

Monsha'at and its partners also run the “Franchise Accelerator”, which offers training, mentoring, easier access to financing and gradual ownership of the franchise ^[6].

Frequently asked questions