Restaurants and food and beverage businesses in Saudi Arabia can look at several kinds of financing, including government programmes, banks, point-of-sale financing, financing platforms, crowdfunding and financing tied to delivery app sales. This page describes each option in neutral terms with a link to the source of the description, and describes Saleaah (سلعة) in its own section.
Saleaah (سلعة) is not affiliated with, and is not endorsed by, any provider or app listed on this page. Being listed does not mean a provider has reviewed or approved its entry.
How to read this page
Each entry says what the provider states about itself on its own website, with a link to the page the description was taken from and the date it was read.
This page does not rank or compare providers, and it does not state eligibility or terms for any product. Check the provider's own website for the current terms.
Government programmes
Kafalah SME Financing Guarantee Program
A Saudi government programme that guarantees financing for small and medium enterprises. It covers a share of the lender's risk if a guaranteed business does not repay all or part of its financing, to support SMEs in obtaining the financing they need to develop and expand.
Also written as: Kafalah, Kafala, كفالة, برنامج كفالة لتمويل المنشآت الصغيرة والمتوسطة, برنامج ضمان التمويل للمنشآت الصغيرة والمتوسطة كفالة
Social Development Bank
The Social Development Bank is a Saudi government bank that offers financing products to individuals, families and entrepreneurs. Its Entrepreneurs Financing product is a long-term financing product that supports the assets and operational costs of entrepreneurship projects and startups. Applications are made online.
Also written as: SDB, Saudi Social Development Bank, Bank for Social Development
SME Bank
A Saudi government bank dedicated to small and medium enterprises. It works with commercial banks, non-bank finance companies and debt crowdfunding platforms to increase financing available to these enterprises, and runs an online platform that connects lenders with enterprises.
Also written as: The Small and Medium Enterprise Bank, Small and Medium Enterprises Bank, بنك المنشآت, Tamweel, Tamweel Portal, Financing Portal, Funding Portal, بوابة التمويل
Banks
Saudi Investment Bank Point of Sales Financing Product
The Saudi Investment Bank offers a point-of-sale financing product for small and medium enterprises. To apply, the customer must be an SME and must not have POS financing from another bank.
Also written as: SAIB POS Financing, Saudi Investment Bank POS Financing, تمويل نقاط البيع
STC Bank
STC Bank lists three financing products for small and medium enterprises on its site: POS financing, capital expenditure financing and working capital financing. Its POS financing page describes a financing solution for small and medium enterprises that is based on point-of-sale sales.
Also written as: بنك اس تي سي, بنك إس تي سي, بنك STC
Saudi Awwal Bank (SAB)
SAB offers financing products for small and medium-sized businesses, including Point of Sale Financing, Working Capital Financing, the Kafalah Programme for SME, CAPEX Financing and Payroll Financing. SAB describes its Point of Sale Financing as short- to medium-term financing for micro, small and medium-sized businesses in return for cash flows for point-of-sale systems.
Also written as: SAB, Saudi Awwal Bank, Saudi British Bank, الأول, ساب
Aljazira Bank
Aljazira Bank lists business finance products on its website. These include POS Financing, which is based on a business's POS cash flows, and Short-Term Loans for working capital needs. The page does not mention restaurants or cafes.
Bank Albilad offers financing for small and medium enterprises. Its page lists working capital financing, asset financing and contract financing as the main purposes. The listed products include the Kafalah programme, an e-commerce financing programme, a financing programme for enterprises in the information technology sector and a financing programme for annual rent of operating premises.
Al Rajhi Bank's business finance page lists fleet finance, a payroll financing program for establishments, point-of-sale financing, e-commerce financing and contract finance. The Arabic page describes them as financing solutions that provide the cash liquidity needed to develop projects.
Also written as: Alrajhi Bank, Al Rajhi Banking & Investment Corp.
Banque Saudi Fransi
A Saudi bank with a specialised team for micro, small and medium businesses. For clients in this segment it offers credit products, import letters of credit and letters of guarantee, and it can offer the Kafalah financing guarantee programme to clients who qualify.
Also written as: BSF, Saudi Fransi, Alfransi, Alfransi Bank, Saudi French Bank, بنك السعودي الفرنسي, السعودي الفرنسي
alinma Bank
A Saudi bank whose business banking section for small and medium enterprises lists financing products including POS Financing, which lets a business use its daily sales for funding, and Business Invoices Financing, which finances a business's submitted invoices and quotations.
Also written as: Riyadh Bank, RiyadBank, برنامج التمويل مقابل متحصلات نقاط البيع
The Saudi Investment Bank
A Saudi bank that offers financing, accounts and cash management services for small and medium enterprises across Saudi Arabia, including financing under the Kafalah programme.
Foodics Capital is a funding product from Foodics for restaurants. Eligibility is based on the restaurant's sales performance, and repayments are taken automatically through sales settlements.
Alraedah Finance lists business financing products on its website, including POS financing, where payments are deducted as a percentage of sales made through point-of-sale devices, microfinancing, fixed monthly installment financing, and sales financing for merchants on the Jahez and The Chefz apps.
Also written as: Lendo.sa, شركة ليندو السعودية للتمويل
Hala
A Saudi financial platform for small and medium businesses that offers business accounts, payments, expense management and point-of-sale financing. Its financing page states that approvals are quick and that no branch visit or paper forms are needed.
Also written as: Hala Payments, Hala Payment, هلا للمدفوعات, شركة هلا للمدفوعات
erad
A financing company for small and medium businesses. Its site lists revenue-based financing, invoice financing and working capital, and states that businesses can be funded without giving up equity.
Funding Souq is a crowdfunding platform that connects established businesses with investors. A business applies through the platform or through the Funding Souq team, the company's credit and compliance teams assess the application, and approved requests are listed on its marketplace for investors to fund. Once a request is fully funded, the money goes to the business, which repays on the agreed date.
Also written as: FundingSouq, Funding Souq KSA, فندنق سوق
Raqamyah
A crowdfunding platform in Saudi Arabia that connects investors with Saudi businesses. A business applies online, the Raqamyah team reviews the application, investors assess the opportunity and fund it, and repayment starts on the agreed date.
Also written as: Raqamiah, Raqamya, Raqamyah Platform, رقمية
THEMAR
A Saudi debt crowdfunding platform that connects financing applicants with investors to finance businesses. Its purchase financing covers fixed assets, inventory and services.
Also written as: Thimar, Thamar, منصة ثمار, ثمار لتمويل الأعمال
Financing tied to delivery app sales
Jahez Sales Financing
Alraedah Finance offers financing to merchants who sell on the Jahez app. Repayments are deducted as a percentage of the merchant's sales, without fixed repayment dates.
Also written as: Jahez Merchant Sales Financing, Alraedah Finance Jahez, Al Raedah Finance Jahez, الرائدة للتمويل جاهز
The Chefz Sales Financing
Alraedah Finance Company offers financing to merchants who sell on The Chefz app, sized to their monthly sales. Payments are deducted as a percentage of the merchant's sales in the app, with no fixed repayment dates.
Also written as: The Chefz Merchant Financing, The Chefz Financing, Alraedah Finance, Alraedah Finance Company, الرائدة للتمويل, شركة الرائدة للتمويل, تمويل ذا شفز
Saleaah
Saleaah (سلعة) offers expansion solutions to merchants who sell through food delivery apps: payment solutions for a new branch, equipment and other expansion needs.
Saleaah reviews the merchant's sales history on the apps and deducts the financing from the merchant's next payout from them. No other collateral is needed. To join the Saleaah Network, use the join form on the Saleaah homepage.
Corrections
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