SVC is an investment company established in 2018 and is a subsidiary of the SME Bank, part of the National Development Fund (NDF). SVC aims to stimulate and sustain financing for Startups and SMEs from pre-Seed to pre-IPO by investing $2.2 billion through investment in funds and direct investment in startups and SMEs.


The Small and Medium En​​terprises Loan Guarantee Program “Kafalah​" was founded under His Excellency the Minister of Finance's decision no. (1166) dated 04/05/1425 AH, with a view to overcome any obstacle in financing SMEs that are economically viable but that do not have the ability to provide the required guarantees to the financiers.


Kafalah

Chairman of the Board of Directors

His Excellency Mr. Yousef Al-Benyan

Deputy Chairman 

His Excellency Dr. Ghassan Alshibl

Board Member

Eng. Ziyad ALshiha

Eng. Mutlaq  Almorished

Ms. Rania Nashar

Mr. Abdulelah Al-Nemr

Chief Finance Officer

Mr. Abdurahman Bin Mohammed Bin Mansour

Chief Operations & Technology Officer

Eng.Soliman Al-kharashi

Group Chief of Legal & Compliance officer

Mr.Khalid  Alaboudi

Products, Services & Customer Experience, Chief Officer

Mr.Bader Alradhan

Chief SME Lending Officer 

Mr. Abdulaziz Alnshwan

Acting Chief Digital Officer 

Mr. Eyad Abdulrahman Fallatah

Acting Chief Strategy Officer

Mr. Faisal Mosa'ad Al-Hammadi

The Small and Medium Enterprise Bank (SME Bank) was established under the resolution of the Saudi Council of Ministers, No. (376), dated 4/7/1442 AH (corresponding to 16/2/2021). 
The SME Bank aims to support the Kingdom’s Vision goals to raise the SME sector’s contribution to the GDP to 35% by 2030 and to increase the volume of financing provided to SMEs to 20% of the total loan portfolio. The bank will be an umbrella for all financing solutions, including debt financing, equity financing, and providing loan guarantees on behalf of SMEs.

In line with the Kingdom's Vision 2030 to build a digital economy and a digital nation, the bank will provide all services and products in cooperation with its partners through digital channels to facilitate the access of all areas in the Kingdom to these products and services.


CEO of SME Bank 

Mr. Ibrahim bin Hamad Alrashid

<p>Over the last period, Saudi Small and medium enterprises witnessed an unprecedented leap due to the great interest and care that the sector enjoys from the wise government. SME sector is one of the most significant sectors for diversifying sources of income and economic growth and it represents a fundamental pillar for economic development in Saudi Arabia and a strong enabler for achieving the goals of Saudi Vision 2030.<br />
We Aim, through the Board of Directors of SME bank, to take decisions that will support the funding system in Saudi Arabia, this can be through strengthening cooperation and relationship with the government and private sector. In addition, we seek to become one of the leading countries in supporting and enabling SMEs to be a major support in the Saudi economy.</p>


Chairman of the Board of Directors 

Message From Chairman

His Excellency Mr. Yousef bin Abdullah Al-Benyan 

The Small and Medium Enterprise Bank (SME Bank) was established under the resolution of the Saudi Council of Ministers, No. (376), dated 4/7/1442 AH (corresponding to 16/2/2021). 
The SME Bank aims to support the Kingdom’s Vision goals to raise the SME sector’s contribution

About The Small and Medium Enterprise Bank

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Increasing financing to SMEs.

Enhancing financial institutions contribution.

Achieving financial sustainability.

Kafaa capital

Dinar

توكيلات للتمويل شركات التمويل

دويتشة شركاء التمويل

السعودي الفرنسي للتمويل 

ينال شركاء التمويل

متاجر للتمويل

راية للتمويل 

شركة سهب للتمويل 

شركة دار الائتمان السعودي

شركة سهل للتمويل 

أملاك العالمية

AMERICAN EXPRESS

التيسير

البيت الاهلي للتمويل

النايفات

آجل

كوارا للتمويل

عبداللطيف جميل

تأجير للتمويل

اصول الحديثة للتمويل

مرابحة مرنة

الجبر للتمويل

اليسر

رافعات الخليج للإيجار التمويلي

تمويل الاولى

الشركة الوطنية للتمويل

الشركة السعودية للتمويل

الرائدة

الامثل 

Funding Companies

البنك العربي برنامج التمويل المشترك

بنك البلاد التمويل بالوكالة 

البنك السعودي الفرنسي التمويل بوكالة

الجزيرة

ساب

Co-Financing Program Partners

البنك العربي 

بنك الجزيره البنوك التجاريه 

البنك السعودي الفرنسي

البنك الاهلي السعودي

مصرف الانماء

البنك السعةجي للاستثمار

بنك الخليح الدولي

بنك الرياض

مصرف الراجحي

البلاد

Commerical Banks

تمويل الاولى 

التيسير التمويل منخفض التكلفه 

ينال

توكيلات للتمويل

دويتشة الخليج للتمويل

Low-Cost Loan Program Partners

رقميه للتمويل الجماعي 

منافع للتمويل بالوكاله 

فرص

تعميد

ليندو

Agency Financing Program Partners

هيئة تنمية الصادرات

شركة التعدين العربية السعودية (معادن)

شركة الزيت العربية السعودية (أرامكو)

المركز الوطني لنظم الموارد الحكومية

الهيئة العامة للصناعات العسكرية

هيئة المنشآت 

بنك تنمية الصناعات الصغيرة في جمهورية الهند

Bpifrance

Strategic Partners

فندينق سوق 

فرص التقنيه المالية 

تعميد التقنية المالية 

شركة ثمار 

رقمية

منافع 

Fintech Companies

صندوق التنمية السياحي

Funding Gate partners

Agricultural Development Fund

Government Entities

Oversee all corporate compliance and AML activities within SME Bank and affiliated entities and ensure compliance with all of the applicable and changing.

Group Legal & Compliance

Build and lead the risk management strategy and oversight and ensure alignment of the business strategy with the Board’s risk appetite, leading the Group Risk function in the management of credit, market, liquidity, operational regulatory, and cyber risks.

Risk Management

Lead all aspects of SME Lending for the Bank, ensuring that approval, procedure, and internal regulations are complied with and overseeing financial data, lending procedures, and processing mitigation of the risks around a loan portfolio ascertaining compliance with SAMA guidelines

SME Lending

Lead and oversee several departments under Operations and Technology, including HR. Information Technology, Account Operations, Procurement, and Administration and ensure that they meet their objectives.

Operations & Technology

Oversee the development and implementation of the Bank's financial strategies and plans, ensure the provision of all financial and accounting services, and maintain financial liquidity within the specified financial standards and legislation to ensure compliance with the approved financial regulations.

Finance

Lead SME Bank’s strategic partnership opportunities and determine optimal strategic asset allocation to generate tactical ideas and identify ways of interpreting trends in SME lending into new business initiatives

Strategy

To ensure that the bank has established HR policies and procedures and uses the latest human capital strategies and techniques to attract, select, develop, and retain motivated staff at the required caliber SME Bank needs in order to provide quality services to SME clients. 

People & Culture

Develop the strategy and execution of all product-related activities within SME Bank, lead the process of research and development of digital and non-digital innovation products, and continue through business development and vision stages.

Products & Services

Provide the development and execution of digital products, synthesis of external customer requests into an internal product roadmap and the creation of new value through the smart use of digital tools, platforms, technologies, services, and processes in line with SME Bank’s strategy.

Digital

To lead the development and implementation of financial, operational, and the related internal control systems to oversee SME Bank’s business integrity, regulatory compliance, security assets and systems improvement of financial and operational controls in line with Audit Committee and SAMA guidelines. 

Internal Audit