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Government programmes in the GCC

48 government programmes across the Gulf — 12 in Saudi Arabia, 9 in the UAE, 7 in Qatar, 8 in Kuwait, 7 in Oman, 5 in Bahrain — 14 taking applications today. What you get, who can apply, what it costs, each one checked against its own website.

Saudi Arabia · 12 →

CMA FinTech Lab (ExPermit)

Government · Saudi Arabia
Regulatory permission to test products live; no funding provided.
No equity — service or permission

KAUST University

Government · Saudi Arabia
R&D grants plus equity investment.
Equity or convertible note

MCIT — Ministry of Communications

Government · Saudi Arabia
Access to CODE programmes and national financing.

MISA — Ministry of Investment

Government · Saudi Arabia
Investor registration, RHQ programme access and Startup Saudi services.
No equity — service or permission

Premium Residency — Entrepreneur Track

Government · Saudi Arabia
Residency for founders with a round of SAR 400K+ (20% share) or SAR 15M+ (10% share).
No equity — one-time fee SAR 4,000

Cloud Computing SEZ

Government · Saudi Arabia
OECD-compliant tax treatment, expat-levy exemption and electricity at $0.05/kWh.
No equity — service or permission

MEWA

Government · Saudi Arabia
Programme support, plus a debt route via the ADF.

Monsha'at

Government · Saudi Arabia
Loan guarantees and programme support for SMEs.

PIF Startup Ecosystem

Government · Saudi Arabia
Not a direct-application fund — invests in funds rather than startups.
Indirect — invests in funds, not startups

SAMA FinTech Sandbox

Government · Saudi Arabia
Regulatory permission to test fintech and insurtech products.
No equity — service or permission

SDAIA

Government · Saudi Arabia
Access to a $160M AI fund with $40K per GAIA cohort startup.

SHIFT Innovation Center Riyadh

Government · Saudi Arabia
Clinical testing access and MoH regulator connections.
No equity — service or permission

UAE · 9 →

ADGM

Government · UAE
A RegLab regulatory sandbox; not a funding programme.
No equity — service or permission

ADIO

Government · UAE
Project-dependent incentive packages plus regulatory fast-tracking.
No equity — service or permission

CBUAE FinTech Sandbox

Government · UAE
Regulatory permission to test fintech and digital-banking products.
No equity — service or permission

DIFC

Government · UAE
100% foreign ownership in a dedicated free zone; not a funding programme.
No equity — service or permission

Dubai Future Foundation

Government · UAE
Programme support and co-creation opportunities.

Masdar City Free Zone

Government · UAE
100% foreign ownership free-zone setup.
No equity — service or permission

twofour54

Government · UAE
Creative Lab funding, licence-fee waivers and production-rebate access.
No equity — service or permission

UAE AI and Data Authority

Government · UAE
National AI incentive packages.

UAE Golden Visa — Entrepreneur

Government · UAE
5-year renewable residency for entrepreneurs with a qualifying project.
No equity — residency permission

Qatar · 7 →

Invest Qatar

Government · Qatar
FDI facilitation, government introductions and direct pitching to VC funds via Gateway.
No equity — service or permission

Media City Qatar

Government · Qatar
Gaming and screen incentive programmes; licensing with 100% foreign ownership.
No equity — incentives for licensed entities

QFC Digital Assets Lab

Government · Qatar
Regulatory pathway only; no capital is deployed.
No equity — regulatory pathway

Qatar Development Bank

Government · Qatar
Backing via Startup Qatar, targeting a QAR 1 billion portfolio by 2030.

Qatar Financial Centre (QFC)

Government · Qatar
Business licensing; its Feb 2026 package waives registration and renewal fees for three years.
No equity — service or permission

Qatar Free Zones Authority (QFZ)

Government · Qatar
Free zone investment incentives and benefits.
No equity — service or permission

Startup Qatar

Government · Qatar
One-stop platform routing founders to the QDB-powered Investment Program.

Kuwait · 8 →

CBK Wolooj Innovation Hub

Government · Kuwait
R&D programme support for fintech innovation projects.
No equity — programme support

CBK Wolooj Regulatory Sandbox

Government · Kuwait
Regulatory permission to test fintech products live; no funding provided.
No equity — service or permission

CBK Digital Banking Guidelines

Government · Kuwait
A licensing pathway toward operating a digital bank.
No equity — service or permission

CMA FinTech Unit (Module 19)

Government · Kuwait
Regulatory permission to operate as a securities crowdfunding platform or fintech.
No equity — service or permission

KDIPA

Government · Kuwait
Up to 100% foreign ownership and up to a 10-year tax holiday for investors.
No equity — service or permission

Kuwait Investment Authority (KIA)

Government · Kuwait
Manages sovereign capital in the billions; not a direct-application funder.

Ministry of Commerce & Industry

Government · Kuwait
Company setup fees, which can be waived for SMEs.
No equity — service or permission

NTEC

Government · Kuwait
KWD 100M (~$350M) capital deployed via government-backed VC and projects.

Oman · 7 →

Central Bank of Oman — FinTech

Government · Oman
Regulatory permission to test products live; no funding provided.
No equity — service or permission

Duqm Free Zone

Government · Oman
Free zone incentives plus a 30-year tax holiday.
No equity — service or permission

Future Fund Oman

Government · Oman
VC OMR 4K–100K (ideation to seed); SME equity OMR 250K–5M; SME debt OMR 100K–500K; projects to OMR 100M.
Equity or debt — up to 40% stake on project track

Riyada — ASMED

Government · Oman
Grants and loans; amount depends on the project.
No equity — grant or loan

Knowledge Oasis Muscat

Government · Oman
Free zone benefits and tax exemptions.
No equity — service or permission

Oman Investment Authority (OIA)

Government · Oman
Sovereign capital backing, including the $180M Jasoor Fund; not a direct funder.

Sas for Excellence

Government · Oman
Up to OMR 1M ($2.6M) per company, plus wage subsidies.
No equity — non-dilutive

Bahrain · 5 →

Bahrain Development Bank

Government · Bahrain
SME financing with tenors up to 5 years.
Equity or credit

Bahrain EDB

Government · Bahrain
Investment incentives, fast registration and a startup visa.
No equity — service or permission

BENEFIT

Government · Bahrain
National financial infrastructure investment; not a direct founder funder.

CBB FinTech Regulatory Sandbox

Government · Bahrain
Regulatory permission to test fintech, payments and crypto products.
No equity — service or permission

MoIC Bahrain

Government · Bahrain
Fast-track business registration and regulatory support.
No equity — service or permission

Government programmes by country