Small and medium Saudi factories — a strategic sector benefiting from government support programs and Vision 2030 local manufacturing initiatives.
20,000,000 (SIDF)
SAR max amount
200,000 شهرياً
min revenue
SIDF: 3–6 months; commercial: 7–15 days
funding speed
Saudi factories benefit from extensive government support: the Saudi Industrial Development Fund (SIDF) offers concessional loans up to SAR 20M for new factories, and Kafalah guarantees part of commercial loans. This lowers cost and significantly raises approval odds.
Operation history
SIDF: new projects accepted
Minimum revenue
200,000 شهرياً
Maximum financing
20,000,000 (SIDF) SAR
Funding speed
SIDF: 3–6 months; commercial: 7–15 days
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SIDF: concessional loans at very low rates (2–4%), long tenors (up to 20 years), accepted even for new projects. Processing is long (3–6 months) with careful project review. Commercial financing: faster (7–15 days) at higher rates (8–14%) but covers diverse needs.
Yes, and this is the common strategy. Use SIDF for major assets (equipment, facilities) because it's cheaper, and use commercial financing for working capital and inventory because it's faster and more flexible.
Kafalah guarantees up to 80% of your commercial loan, making lenders more willing to approve even factories lacking sufficient collateral. Maximum guaranteed amount: SAR 10M. Most commercial banks, Lendo, and Raqamyah accept Kafalah guarantees.
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