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Kafalah SME Financing Guarantee Program

Kafalah SME Financing Guarantee Program

Provides Saudi banks and lenders with government guarantees so small and medium companies can obtain loans without collateral.

The Kafalah SME Financing Guarantee Program is operated by Monsha'at (Saudi General Authority for Small and Medium Enterprises) in partnership with financial institutions regulated under the Saudi Central Bank (SAMA). Kafalah provides loan guarantees covering up to 90 percent of the financing value extended by cooperating banks and NBFIs to eligible Saudi SMEs. The guarantee enables lenders to ext…

Guarantees up to 90 percent of SME financing through cooperating Saudi banks, enabling micro, small, and medium enterprises to access loans of up to SAR 15 million without traditional collateral.

CycleiHow often this grant runs — e.g. annually, on a rolling basis, or a one-off call.Rolling
Next deadlineiThe next date applications are due. Rolling means you can apply any time.Rolling
Decision timeiTypical time from the deadline to the funder's decision.—
Project durationiHow long the funded work is expected to run.—
Award typeiThe form of funding — grant, equity, loan, tax credit, etc.Loan
Match fundingiThe share of project costs you must cover yourself. 0% = fully funded.0%
Funding pooliThe total budget available across all awards in this round.—

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Last verified: 22 Jul 2026Source: www.arabnews.com