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Financing by Employer

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Important Disclosure

Diro (getdiro.net) is a financial comparison and brokerage platform and is NOT a licensed lender or finance provider. We do not offer loans or direct financing. We connect applicants with finance providers licensed by the Saudi Central Bank (SAMA) and the Capital Market Authority (CMA). All financing decisions, rates, and terms are determined by the respective finance provider. Estimated profit rates displayed on the platform are for guidance only and may vary based on credit assessment and applicant profile. Free for applicants.

Diro is a marketplace platform and not a licensed lender. All displayed funding providers are licensed by relevant regulatory authorities.

© 2026 Diro. All rights reserved.

Sector-Tailored Financing

Contracting & Construction Financing in Saudi Arabia — Compare 35+ Lenders

Contracting and construction companies — a sector heavily reliant on government invoice financing and project-based financing.

Apply for Business Funding

7,500,000

SAR max amount

200,000 شهرياً

min revenue

48h for government invoices

funding speed

Financing types best suited to Contracting & Construction

  • 1
    Government invoice financing — the most suitable option
  • 2
    Project financing
  • 3
    Working capital
  • 4
    Bank guarantees

Why lenders fund Contracting & Construction

Saudi contracting companies work extensively with the government sector (municipalities, ministries, agencies). Government invoices are guaranteed, making invoice financing an excellent option — you get 70–90% of invoice value upfront and the lender collects when the government pays.

Typical eligibility requirements

Operation history

12 months + project history

Minimum revenue

200,000 شهرياً

Maximum financing

7,500,000 SAR

Funding speed

48h for government invoices

Lenders funding the Contracting & Construction sector

A sample. Diro shows you the full list tailored to your business profile.

Tameed

Specialized in government invoice financing — fastest in market

Lendo

Project financing up to SAR 7.5M

Raqamyah

Invoice + working capital

Forus

Large project financing

How to get funded

1

Submit business details

CR, sector, revenue, requested amount. In 3 minutes.

2

We match you

We show you lenders qualified to fund Contracting & Construction businesses of your size and performance.

3

Get funded

Pick the best offer, coordinate with the lender via Diro. Funding in 48h to 10 days depending on type.

Frequently asked questions

What types of government invoices can be financed?+

Most invoices issued by government entities (municipalities, ministries, agencies, SOEs like Aramco and SABIC). Requirements: signed contract, delivered work, clear invoice aging. Tameed specializes in this.

What percentage of invoice value gets financed?+

Typically 70–90% of invoice value. Depends on: issuer (highest for government), remaining tenor (shorter = better), and your company's history with the lender. Fees are usually 1.5–4% monthly on financed amount.

Can new projects be financed without prior invoices?+

Yes, via Project Financing. Based on the signed contract, execution plan, and company track record. More complex than invoice financing and takes 5–10 days to approve vs 48h for invoice financing.

All licensed

Completely free

From 48 hours

35+ providers

Ready to fund your Contracting & Construction business?

Apply and get offers from 35+ licensed providers

Start Now