Kafalah SME Loan Guarantee Program
برنامج كفالة تمويل المنشآت الصغيرة والمتوسطة
Status not published
Rolling; applications are made through a participating bank or finance company.
Guarantees a share (commonly up to 80-90% for startups) of bank financing to Saudi SMEs, with guaranteed amounts historically up to about SAR 15 million per enterprise. Kafalah does not lend directly.
Kafalah Program (SME Bank / Ministry of Finance and Saudi banks)
ppp · national
Deadline: rolling — Rolling; applications are made through a participating bank or finance company.
This funder does not publish a success rate. We rank it using the rate observed across similar programmes and label it as an estimate rather than implying we know.
Major bid — written case, budget, possibly partners.
Who can apply
- Stage: seed, series_a, growth
- Locally registered entity required
Saudi-registered SMEs within Monsha'at size thresholds; startups can qualify with higher guarantee coverage.
How to apply
- Approach a participating bank for financing.
- The bank submits a Kafalah guarantee request.
- Kafalah assesses and issues the guarantee.
- Bank disburses the facility.
What you will need
- Commercial registration
- Financial statements
- Business plan
- Bank credit application
Source. https://kafalah.gov.sa/ — checked 2026-08-14 · not human-checked