Operating liquidity with flexible repayment
Working capital financing provides liquidity to cover day-to-day business operations: payroll, supplier payments, funding the sales cycle, or bridging payment delays. The goal: keep operations running without cash-flow pressure.
7,500,000
SAR max
6 to 36 months
Tenor
48 hours to 5 days
Speed
10-18% APR on drawn balance
Cost
Submit an application with your liquidity need and expected duration
Lender evaluates your monthly revenue and cash flows via bank statements (last 6-12 months)
A financing limit is approved — you can draw all of it or only part (like a credit line)
Repayment is typically monthly over 6-36 months, with no early-repayment penalty at most lenders
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Maximum amount
7,500,000 SAR
Tenor
6 to 36 months
Cost structure
10-18% APR on drawn balance
Funding speed
48 hours to 5 days
Working capital financing is the most-requested SME product in Saudi Arabia — it targets the gap between revenue and expenses during daily operations. In the Saudi market, working-capital demand peaks in specific seasons: Ramadan (restaurants, retail), fiscal year-end (manufacturing), back-to-school (seasonal retail), and new-project launches (construction). Most active sectors: contracting (payroll funding before receivables), retail (pre-season inventory), services (payroll and rent funding).
Financing platforms: Lendo (operating financing up to SAR 2M with 1-12 month tenures at 12-20%), Raqamyah (specialized in short-term working capital 1-6 months), Forus (mid-term operating financing), SNB and Al Rajhi for larger companies (revolving credit lines up to SAR 50M). The Kafalah government guarantee covers up to 80% of loan value, opening financing for smaller SMEs.
Key notes: to improve approval odds, submit 6 months of bank statements, contracts with major obligors, and a 12-month cashflow projection. Companies using formal POS terminals and bank transfers get better terms because the data is verifiable. Avoid requesting working capital to repay prior loans — banks detect this and it hurts approval odds. The 2024 launch of Tameed's invoice-financing integration with the Etimad government platform has reduced the need for general working-capital loans by speeding up government-receivable collection.
Working capital funds recurring operations (payroll, suppliers, sales cycle) with flexible, recurring repayment. A regular loan serves specific purposes (asset purchase, expansion) with fixed installments. Working capital suits businesses with variable cash flows.
Yes, if structured as a revolving credit line. You repay then redraw within the approved limit. Most Saudi platforms (Lendo, Raqamyah) offer this pattern.
From SAR 50K/month at some crowdfunding platforms, from SAR 200K at banks. Max financing depends on average monthly revenue (typically 1-3x monthly revenue).
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