- What
- Loans of SAR 50,000–500,000, repayment up to 9 years, grace period up to 12 months.
- Who
- Saudi nationals aged 21–65 owning 100% of a project registered in the last 12 months.
- From abroad
- Nationals or residents of Saudi Arabia — Applicant must be a Saudi national aged 21 to 65 who owns 100% of the project All programmes open to founders from abroad →
- Latest
- Last financing announced Sep 2026 — Signed SAR 80M financing agreements supporting SMEs and entrepreneursNewest dated item on its own site · checked Oct 2026
- Timeline
- Entrepreneur financing service level agreement: 90 working days ↗As published by the programme itself
Checked · October 2026 · sdb.gov.sa/en/facilities-financing/financing-en… · How we check ↗
In detail
Social Development Bank (SDB) is a government development bank in Saudi Arabia. Saudi government bank. Its Entrepreneurs Financing is a long-term loan for the assets and operating costs of entrepreneurship projects and startups, applied for fully online. Projects qualify as new (idea or feasibility stage, or a commercial registration up to 6 months old), under formation or start-up (registration more than 6 and up to 12 months old); disbursement is 70% then 30%. Conditions include Saudi nationality, age 21 to 65, 100% ownership of the project, full-time dedication, a partner training course and an interview. A separate Excellence Financing offers up to SAR 4 million for innovative or technical projects.
- Amount
- SAR 50,000-500,000
- repayment up to 9 years (108 months)
- grace period up to 12 months
- Terms
- No equity - loan with 9% administrative fees and 2% annual service fees
- Eligibility
- Saudi nationals aged 21-65 who own 100% of the project
- commercial registration no older than 12 months
- activity on the list the Bank supports
- not employed elsewhere
- up to two guarantors
- Sectors
- Activities on the list supported by the Bank
- Benefits
- Online application without branch visits
- service level 90 working days
- grace period up to 12 months
- Status
- Open - online application available around the clock; sign-in runs through the national single sign-on (checked September 2026)
Is this for you?
Where is your company?
Are you open to giving equity?
We match them against what Social Development Bank (SDB) publishes.
A guide to the published criteria, not a decision — the programme selects.
What the source says
“The applicant must be of Saudi nationality.”
“An electronic product provided by the Social Development Bank, which is a long-term financing product aimed at supporting the assets and operational costs of entrepreneurship projects and startups.”
“The financing amount starts from 50,000 SAR and reaches up to 500,000 SAR, without the need to visit any bank branches.”
“Repayment period up to 9 years (108 months). Grace period up to 12 months.”
“Grace period up to 12 months.”
“9% administrative fees and 2% annual service fees.”
Closing soon on the map
No published deadline in the next 30 days · All published deadlines →
Compare loans & guarantees in Saudi Arabia
| Cost | |||
|---|---|---|---|
| Social Development Bank (SDB)Loans of SAR 50,000–500,000, repayment up to 9 years, grace period up to 12 months. | SAR 50,000–500,000 | No equity | Open |
| SIDF Promising Factories Initiative (soft loans)Soft loans for up to 50% of an industrial project’s cost; 24-month grace, tenor up to 10 years. | not published | No equity | Active |
| SME Bank (Small and Medium Enterprise Bank)Government SME bank; loans through partner banks, finance firms and crowdfunding. | not published | Loan | Active |
| Amad for Entrepreneurs (alinma bank)Interest-free loan (qard hasan) of SAR 200,000, plus a bootcamp and a year of mentoring. | SAR 200,000 | No equity | Active |
| Bank AlJazira – Cultural Development Fund Guarantee ProgramBank AlJazira credit with a Cultural Development Fund guarantee of up to 90%. | not published | No equity | Active |
| Kafalah — SME Financing Guarantee ProgramGuarantee of up to 80% of a bank loan; up to 90–95% under start-up and sector products. | not published | No equity | Active |
No programmes match these filters.
Highest amount in each programme’s own “What” line. Other currencies converted for sorting only (Gulf pegs; KWD, EUR, GBP approximate).
All loans & guarantees in Saudi Arabia → · Across the Gulf →
More programmes that take no equity →
Questions founders ask
What does Social Development Bank (SDB) offer?
Loans of SAR 50,000–500,000, repayment up to 9 years, grace period up to 12 months.
Does Social Development Bank (SDB) take equity?
No equity — 9% administrative fee, 2% annual service fee.
Can founders from abroad apply?
Nationals or residents of Saudi Arabia — Applicant must be a Saudi national aged 21 to 65 who owns 100% of the project.
Is there a deadline?
No closing date is published; applications are open.
How do I apply?
Through its own application form — the Apply button on this page goes straight there.
Sources
Primary source · sdb.gov.sa/en/facilities-financing/financing-entrepreneurs · LinkedIn · linkedin.com/company/scsb · Checked October 2026