Program message

  • Provide financial guarantees to enhance the opportunity for micro, small, and medium enterprises to obtain the necessary financing through strategic companies, national cadres, and innovative technical tools supported by our knowledge base.


Program goals

  • The program aims to assist micro, small and medium enterprises in obtaining Islamic financing necessary to develop and expand their activities and encourage financial institutions to deal with the small and medium enterprises sector in order to develop this sector to achieve its important role in the national economy through its contributions to providing new job opportunities and development. The governorates are the least economically active.

The Kafalah  program sets the ambitious goals of the Kingdom's Vision 2030 and the sectors targeted by this vision as a strategic goal for all guarantee programs that it develops with financing agencies working with the program and the relevant authorities so that the program is effective to develop the small and medium enterprises sectors to serve the Kingdom's economy and raise the contribution of this sector with the requirements of the vision.


Commercial establishments are divided into four sections according to the definition of the SAMA:

Facility type

Revenue (Million Riyals)

Number of employees (full time)


From 0 to 3

From 1 to 5


From 3 to 40

From 6 to 49


From 40 to 200

From 50 t0 249


Exceed any of the criteria below

* The revenue criterion is adopted in classifying the type of establishment and in the absence of revenue data (a new    establishment), the number of employees in full time job is the standard in classifying the type of establishment.


The maximum value of warranties for establishments:

The size of the facility

The maximum value of warranties

Micro establishments

2,500,000 SR

Small establishments

5000,000 SR

Medium establishments

15,000,000 SR



Activities guaranteed by Kafalah program

  • Industrial activities of all kinds, especially those supporting the military industries.
  • Tourist and entertainment activities.
  • Trading activities.
  • Health services (private clinics, private hospitals, medical centers, pharmacies).
  • Educational services off all kinds.
  • Activities supporting the export of local products.
  • Creative activities, smart programing and software, and innovative financial solutions.
  • Activities that serve agriculture sector (plant and animal production, agricultural reserves, pest resistance).  
  • Fishing activities such as fish farms and shellfish as well as hunting.
  • Transportations services.
  • Business services activities.
  • Activities of cleaning services, maintenance and social services.
  • Franchise companies that can be considered independent projects, considering the type of activity according to the previous clauses.
  • Construction and building (construction works, maintenance and sub-contracting operation of all kinds, provided that these activities directly support the Saudization programs and create new job opportunities for qualified Saudi cadres.


Activities that are not covered by Kafalah Program

  • Activities that do not fall within the scope of the definition of small and medium enterprises.
  • Activities that are inconsistent with the Kingdom’s Vision 2030 and the higher policies of the it.
  • Speculative financial or real estate business, in addition to financing projects.
  • Finance speculations work or real estate business, in addition to financing projects. 
  • Activities that violate laws and regulations in the Kingdom of Saudi Arabia.
  • Persona and real estate loans.




Important links