7 Funding Options for SMEs in Saudi Arabia

Funding is the lifeblood of any business. Whether you need working capital, equipment financing, or expansion capital — the options in Saudi Arabia are more diverse than ever.

**Amount**: SAR 100,000 - 50,000,000

**Requirements**: CR, audited financials, collateral

**Term**: 1-7 years

Saudi banks offer competitive rates but with lengthy processes and strict requirements.

**Examples**: Lendo, Raqamyah, Funding Souq, Forus

**Amount**: SAR 50,000 - 7,500,000

**Requirements**: CR + at least 1 year in business

**Advantage**: Fast processing (48 hours in some cases)

**How it works**: Get instant liquidity against your outstanding invoices

**Best for**: Businesses with government contracts or large invoices

**Examples**: Lendo, Tameed

**How it works**: Get funding based on your POS sales

**Best for**: Restaurants, retail, cafes

**Examples**: Raqamyah

**What it is**: Government guarantee program that covers part of your loan

**Amount**: Up to SAR 10,000,000

**Advantage**: Reduces lender risk, increasing approval chances

**CMA platforms**: Arat Capital, Safqah Capital, Kafaa Capital

**Amount**: Up to SAR 20,000,000

**Best for**: Real estate developers and large projects

Instead of applying to each provider separately, use Diro to get pre-offers from multiple lenders with one application. Free for applicants with 60+ licensed providers.