Startups and tech companies — a fast-evolving sector with diverse financing options: crowdfunding, revenue-based financing, stage-based financing.
20,000,000 (أسهم)
SAR max amount
50,000 شهرياً (ديون)
min revenue
5–15 days
funding speed
Saudi Arabia has seen a surge in CMA-licensed crowdfunding platforms. Startups with SAR 50,000+ monthly revenue can raise up to SAR 20M in equity, or obtain debt financing fast via Lendo, Raqamyah, and Forus.
Operation history
6 months of activity
Minimum revenue
50,000 شهرياً (ديون)
Maximum financing
20,000,000 (أسهم) SAR
Funding speed
5–15 days
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Saudi Arabia's startup ecosystem has matured significantly since 2020, driven by the Public Investment Fund, the Ministry of Investment, the National Transformation Program, and accelerators like Misk, Flat6Labs, and 500 Global. Saudi startups raised over USD 1.4B in 2024. But Seed and Pre-Series A startups face a real funding gap between rounds — bridge financing is essential.
Funding options: equity crowdfunding via Manafa (CMA-licensed) for non-dilutive growth capital, Tameed for invoice-based debt financing, dedicated tech-banking credit lines from Saudi Investment Bank and SNB's Tech Banking Desk. For early-stage startups, the MISA development fund offers concessional financing. Saudi Venture Capital Company (SVC) and STV co-invest in early rounds.
Key notes: startups based in Red Sea Valley, NEOM Tech, or Riyadh Tech enjoy preferential bank treatment. Startups valued above SAR 50M (Series B+) qualify for Premium Banking products. "Saudi Made"-certified startups under the Made-in-Saudi-Arabia program receive government-loan support. FinTech, HealthTech, and EdTech startups get priority in government financing programs. Startups should also explore SAMA's regulatory sandbox if their model touches financial services — it grants temporary licensing concessions that materially affect financing optionality.
Equity: gives investors a share of your company, no fixed repayment, but you dilute ownership. Debt: regular loan with monthly repayment, you keep full ownership but must repay regardless of performance. Equity for growth, debt for operating liquidity.
No. 6 months minimum for most lenders. Some equity crowdfunding platforms accept very early-stage companies (3 months) if they have a valuable product and strong team.
Kafalah is a government program (Social Development Bank) that guarantees a portion of your loan to the lender, reducing their risk and boosting your approval odds. Especially useful for startups lacking long credit history. Max guaranteed amount: SAR 10M.
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