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Unclaimed
Discovery tool, not advice. Every figure is the published rule, not a decision on your case.
Loans

Kafalah SME Loan Guarantee Program

برنامج كفالة تمويل المنشآت الصغيرة والمتوسطة

Status

Status not published

Rolling; applications are made through a participating bank or finance company.

Open now
Amount
15,000,000 SAR

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.

Funder

Kafalah Program (SME Bank / Ministry of Finance and Saudi banks)

ppp · national

Deadline: Open all year — Rolling; applications are made through a participating bank or finance company.

Your odds
Not published

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.

Effort
major

Major bid — written case, budget, possibly partners.

Who can apply

Saudi-registered SMEs within Monsha'at size thresholds; startups can qualify with higher guarantee coverage.

How to apply

  1. Approach a participating bank for financing.
  2. The bank submits a Kafalah guarantee request.
  3. Kafalah assesses and issues the guarantee.
  4. Bank disburses the facility.

What you will need

Related reading: How grant deadlines actually work

Apply on the funder's site

Source. https://kafalah.gov.sa/ · not human-checked

Verified on 14 August 2026

Source: funder's homepage — the programme page was not found

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