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Kafala Program

Funding Micro Enterprises that might not be able to source financing through normal banking channels. 
Riyad Bank Kafala Program provides a wide range of financing solutions tailored to Micro Enterprises in the Kingdom.

  • Guaranteed financing for a number of purposes
  • Shari’a Compliant
  • Available for Saudi’s and foreigners
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Kafala program offered by Riyad Bank ensures the facilities for fixed assets purchase or capital financing for the project, as well as all works based on the contracts.

  • The organization shall have a legal entity (a single, joint venture, a simple partnership company, etc.)
  • The project should be economically, financially, technically and administratively feasible

The following activities are considered as non-eligible activities to guarantee the program:

  • Activities owned or controlled by the government
  • Any activity contrary to the laws and regulations in the Kingdom of Saudi Arabia
  • Speculation “Mudaraba”, for example, banking or real estate speculation (in addition to projects financed by others)
  • Activities with annual sales or revenues exceeding SAR 30 million
  • When financing is in the form of personal or real estate loans

Existing or new Riyad Bank customers can apply through the Business Pioneers Specialists or through the nearest Riyad Bank branch.

Rates & Fees are risk based and are a factor of the structure of the loan, which vary according to each case.

Frequently Asked Questions

Does Kafala program cover auto leasing and real estate finance?
How much time does it take to study and analyze the request before providing the required finance?

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