Kafalah Program — Saudi SME Loan Guarantees

Kafalah is a Saudi government program that guarantees part of your business loan. If a bank rejects you because your business is new or lacks collateral, Kafalah covers the gap.

1. Apply for financing from a Kafalah-participating bank

2. Bank evaluates your application

3. If you don't meet collateral requirements, Kafalah guarantees up to 80%

4. Bank approves based on Kafalah guarantee

5. You receive the funding

• Up to SAR 10,000,000

• Guarantee ratio: 50% - 80% of financing amount

• Covers all financing types (working capital, assets, expansion)

• Saudi business with CR

• Annual revenue under SAR 200 million

• Less than 250 employees

• Any sector (except real estate and finance)

All major Saudi banks participate: Al Rajhi, SNB, Riyad, Alinma, Albilad, and more.

For live SME financing rates — profit bands, revenue floor, business-age requirements — check [the Diro business finance table](/en/business?utm_source=blog&utm_medium=internal&utm_campaign=kafalah-program-guide). One application surfaces offers from SAMA and CMA licensed banks and crowdfunding platforms.

If you're a business owner looking for funding, apply through Diro and we'll match you with suitable providers including Kafalah participants.