- What
- Bank loan guarantee of 80% standard, up to 90–95% in target sectors.
- Who
- SMEs and startups seeking bank financing in Saudi Arabia.
- Cost
- No equity — loan guarantee
- Status
- Active
Checked · September 2026 · kafalah.gov.sa/en · How we check ↗
In detail
Kafalah — SME Financing Guarantee Program is a loan guarantee in Saudi Arabia. National loan-guarantee programme (est. 2006) easing SME access to bank financing — guarantees a standard 80% of the facility, rising to 90–95% for target sectors, with SR100bn+ in cumulative guarantees for 23,000+ SMEs. Independent programme backed by SAMA, the National Development Fund and partner banks; applications run exclusively through participating banks.
- Amount
- Guarantees 80% standard
- 90–95% target sectors
- debt guarantee, not funding
- Terms
- No equity
- Eligibility
- SMEs and startups seeking bank financing in Saudi Arabia
- Sectors
- All sectors
- Status
- Active
Closing soon on the map
Cultural Development Fund (CDF)
Grant · Saudi Arabia
Up to SAR 500,000 non-repayable per project, capped at 20 projects total.
No equity — grant
29 Sep 2026closes
Finspire
Accelerator · Saudi Arabia
SAR 100,000 development funding, earmarked rather than paid as cash.
Equity via SAFE, capped at 5%
4 Oct 2026closes
QSTP Incubation
Accelerator · Qatar
In-kind support: Doha workspace and housing for a four-week Sprint, talent and investor access.
Equity — 1.5% deferred SAFE-style stake
1 Nov 2026closes
More loans & guarantees in Saudi Arabia
Social Development Bank (SDB)
Loan · Saudi Arabia
Loans of SAR 50,000–500,000, repayment up to 9 years, grace period up to 12 months.
No equity — 9% administrative fee, 2% annual service fee
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All loans & guarantees in Saudi Arabia → · Across the Gulf →
More programmes that take no equity →
Sources
Primary source · kafalah.gov.sa/en · LinkedIn · linkedin.com/company/monshaatsa · Checked September 2026