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Funding Platform connects Financing Institutions with SMEs that are interested in obtaining funding products provided by SME Bank

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SMEs Definition

Micro Enterprises

Revenues 0 - 3,000,000 SAR

Small Enterprises

Revenues 3,000,000 - 40,000,000 SAR

Medium Enterprises

Revenues 40,000,000 - 200,000,000 SAR

SME in Saudi Arabia

1.5 Million
is the total number of SMEs in KSA
+351 billion
Is the total credit facilities provided to SMEs
9.63%
Percentage of financing provided to SMEs out of total financing
6.83%
Is the growth rate of total credit facilities provided to SMEs

Indirect Lending Programs

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Co-financing Model

A dedicated portfolio is created for the program in the partner bank. The Small and Medium Enterprises Bank and the partner bank deposit the allocated funds into the portfolio. The partner bank manages the portfolio and utilizes these funds directly to finance micro, small, and medium-sized enterprises.

NBFI Program

Small and Medium Enterprises Bank collaborates with a partner financing company to provide cash liquidity, increasing its capacity and providing a high number of loans to the micro, small, and medium-sized enterprises sector. This collaboration supports their growth and expansion efforts while reducing financing costs for micro, small, and medium-sized enterprises.

Agency Model

A dedicated portfolio is created for the program on crowdfunding platforms, and the Small and Medium Enterprises Bank deposits funds into the portfolio. The platform manages the portfolio according to specific terms. The funds are utilized to provide funding to micro, small, and medium-sized enterprises within the platform.