Question 1

What types of SME financing are available in Saudi Arabia?

Accepted Answer

Available types: working capital, invoice financing, asset & equipment finance, POS financing, expansion capital, and inventory purchase loans. Diro compares all types across 35+ SAMA and CMA licensed providers.

Question 2

What are the requirements for SME financing in Saudi Arabia?

Accepted Answer

Basic requirements: active commercial registration, minimum 6 months of operation (varies), last 6 months of bank statements, monthly revenue starting at SAR 50,000 for crowdfunding platforms (lower thresholds for other lenders). Diro matches you with providers whose criteria fit your business.

Question 3

What is the Kafalah program?

Accepted Answer

Kafalah is a Saudi government program (under the Social Development Bank) that guarantees a portion of your loan to the lender. This reduces lender risk and raises your approval odds. Guaranteed financing reaches up to SAR 10M. Most Diro partner lenders accept Kafalah guarantees.

Question 4

Can startups get financing in Saudi Arabia?

Accepted Answer

Yes. CMA-licensed crowdfunding platforms (Lendo, Raqamyah, Forus) fund early-stage companies (min 6 months of activity). Equity crowdfunding platforms enable raising capital for larger projects. Some lenders like Tameed fund startups that hold government invoices.

Question 5

What's the difference between working capital and invoice financing?

Accepted Answer

Working capital: general operating liquidity repaid monthly or quarterly. Invoice financing: advances cash against a specific outstanding invoice, which is then paid directly to the lender at maturity. Invoice finance is faster (48h) and typically cheaper because it's secured by the invoice.

Lender	Type	Rate	Max amount	Min revenue/yr	Min age	Approval
Bab Rizq Jameel Microfinance	Microfinance	0.00% – 0.00%	60k SAR	No minimum	Any	7 day(s)
Bab Rizq Jameel Microfinance	Working capital	0.00% – 0.00%	300k SAR	200k SAR	Any	10 day(s)
Riyad Bank	Working capital	2.00% – 15.00%	7.5M SAR	500k SAR	1 year	7 day(s)
Banque Saudi Fransi (BSF)	Working capital	3.00% – 11.50%	7.5M SAR	500k SAR	1 year	10 day(s)
Alinma Bank	Working capital	5.00% – 9.50%	5.0M SAR	500k SAR	3 years	7 day(s)
Saudi National Bank (SNB)	Working capital	5.00% – 8.50%	10M SAR	750k SAR

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