Business Financing

Your business has the potential to grow, make it happen now with one of our different SME finance options.

Every business needs the extra financing.

Whether you’re looking to cover project expenses or expand and invest in new plans, we have a full range of financing solutions tailored to support your business quickly and efficiently.

Enterprise Financing

Benefit from instant financing that meets the needs of your small or medium business.

 

 

Overview

  • Financing up to SAR 15 million
  • Installments of up to two years
  • Maximum 12% Interest
  • Shariah compliant

Eligibility

  • A Saudi-based entity formed under Saudi Law and Regulations and operating in the Saudi market. Joint ventures and SAGIA-operated ventures are also eligible
  • A minimum of two years’ operations
  • Profitable and sustainable

Required Documents

  • Data Request for Financing form issued by the borrowing facility
  • Copy of Activity Licence
  • Copy of company Incorporation Contract (if the activity is a company)
  • Copy of Commercial Register
  • Copy of Lease or ownership contract of company’s headquarters
  • A copy of the national identity / residence card
  • A copy of the three-year audited financial statements
  • Proof of participation in GOSI
  • Copy of Nitaqat (Labor Office)
  • Company owner’s personal bank account statement(s)
  • Zakat Authority Certificate
  • Any other supporting documents deemed important for the application

* Terms and conditions apply

SAMA Sponsored Finance Plan

Benefit from quick financing without the need for a sponsor. This government sponsored programme already provides a financial guarantee to small businesses. Also, the plan encourages financial institutions to support small and medium enterprises.

SAMA Sponsored Finance Plan

Get a range of benefits for your business with the SAMA Sponsored Finance Plan.

Overview

  • Financing up to SAR 15 million
  • Convenient repayments of up to three years
  • Profit rate 4%
  • First payment after six months
  • Shariah compliant
  • Guarantees provided by Kafalah

Required Documents

  • Data Request for Financing form issued by the borrowing facility
  • Copy of Activity Licence
  • Copy of company Incorporation Contract (if the activity is a company)
  • Copy of Commercial Register
  • Copy of Lease or ownership contract of company’s headquarters
  • A copy of the national identity / residence card
  • Three-year audited financial statements
  • Proof of participation in GOSI
  • Zakat Authority Certificate
  • Company owner’s personal bank account statement(s)
  • Zakat Authority Certificate
  • Meet the requirements and procedures of the Kafala program
  • Any other supporting documents deemed important for the application

* Terms and conditions apply

SAMA Point of Sale Finance

Are you looking to expand your business by purchasing inventory or equipment? Then SAMA Point of Sale Finance is your solution.

Required Documents

  • Financing up to SAR 500,000
  • Installments of up to 18 months
  • First payment after six months
  • 4% Interest
  • Shariah compliant
  • Financial guarantees provided by Kafalah

Eligibility

  • A Saudi-based entity formed under Saudi Law and Regulations and operating in the Saudi market. Joint ventures and SAGIA-operated ventures are also eligible
  • A minimum of two years’ operations
  • Profitable and sustainable
  • Clean credit history

Required Documents

  • A Finance Request letter detailing the amount and purpose for financing as well repayment proposal
  • A completed Facility Financing application detailing sponsor's personal data with signature and seal
  • A copy of the National ID/residency cards of company partners and authorised managers
  • The main and subsidiary Commercial Register
  • The Memorandum of Association and Powers to Borrow (for companies only)
  • Certificate of Insurance, Zakat Authority Certificate, Practice License, Proof of participation in GOSI
  • Original Statement of Accounts for the last 12 months
  • Monthly sales record (POS Report) for the last 12 months
  • A report detailing company expenses and obligations
  • Proof of VAT payments on relevant invoices for the last 12 months
  • Any documents that you see as a finance quora are important to the application.

* Terms and conditions apply

Monsha’at Program

Money is no longer an obstacle to growing your business. The Monsha’at Sponsored Finance Plan can help support your business ambitions with a Maximum Interest of 10%.

 

 

Overview

  • Financing up to SAR 15 million
  • Convenient repayments of up to 2 years
  • Maximum 10% Interest
  • Shariah compliant
  • Kefalah guaranteed

Eligibility

  • A Saudi-based entity formed under Saudi Law and Regulations and operating in the Saudi market. Joint ventures and SAGIA-operated ventures are also eligible
  • A minimum of two years’ operations
  • Profitable and sustainable
  • Clean credit history
  • Possess a clean credit history

Required Documents

  • Data Request for Financing form issued by the borrowing facility
  • Copy of Activity Licence
  • Copy of company Incorporation Contract (if the activity is a company)
  • Copy of Commercial Register
  • Copy of Lease or ownership contract of company’s headquarters
  • A copy of the national identity / residence card
  • Three-year audited financial statements
  • Proof of participation in GOSI
  • Zakat Authority Certificate
  • Company owner’s personal bank account statement(s)
  • Zakat Authority Certificate
  • Any documents that you see as a finance quora are important to the application.

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