The map·All programmes·Loans & guarantees

Loans & guarantees in the GCC

12 loans & guarantees across the Gulf — 2 in Saudi Arabia, 6 in the UAE, 2 in Kuwait, 1 in Oman, 1 in Bahrain — 6 taking applications today. What you get, who can apply, what it costs, each one checked against its own website.

Saudi Arabia · 2 →

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

Kafalah — SME Financing Guarantee Program

Loan · Saudi Arabia
Bank loan guarantee of 80% standard, up to 90–95% in target sectors.
No equity — loan guarantee

UAE · 6 →

Emirates Development Bank (EDB)

Loan · UAE
Up to AED 2M per startup with no assets required, tenors up to 72 months.
No equity — repayable finance

Khalifa Fund

Loan · UAE
Loans; amounts not published, vary by programme.
No equity — loan, repayable

MBRIF

Loan · UAE
Government-backed bank-loan guarantees; terms set case by case.
No equity — loan guarantee

Partners for Growth (PFG)

Loan · UAE
Growth debt; ticket size not published.
Loan — repayable

Ruya Partners

Loan · UAE
Private credit deals of $15M to $25M.
Loan — private credit, repayable

Stride Ventures

Loan · UAE
Venture debt averaging $4M, repayable over 6 to 18 months.
Loan — repayable, 6 to 18 months

Kuwait · 2 →

Industrial Bank of Kuwait

Loan · Kuwait
Medium and long-term industrial and SME loan financing; amount varies by project.
No equity — concessional loan, repayable

National Fund — SME Financing

Loan · Kuwait
Government loan up to KD 400,000, covering up to 80% of project capital.
Loan — partners contribute at least 20%

Oman · 1 →

Oman Development Bank

Loan · Oman
Project-dependent loans.
Loan — repayable

Bahrain · 1 →

SME Fund (Bahrain)

Loan · Bahrain
Sharia-compliant SME financing; amount set case by case.
No equity — Sharia-compliant debt

Loans & guarantees by country