​Supporting and financing small and medium enterprises by developing local brands and publishing them globally, and attracting international brands to support national economic diversification, which contributes to supporting the owners of these establishments and enabling them to upgrade the activities of their establishments, raise their production efficiency and drive their competitiveness.


  • Financing assets for opening new branches (financing expansions) for a period not exceeding 60 months
  • Financing working capital (operational cycle) for a period not exceeding 6 months
  • Supported by Kafalah Program

Documentation Requirements at Initial Application

  • The client ’s experience should be at least two years as per the license.
  • Signing the related facility documents 
  • The client's signature on a promissory note for the full financing amount. 
  • The activity of the client should be included in the list of the activities under Kafalah Program
  • It is not acceptable to offer a franchise opportunity or grant a new franchise until conducting business for a period of not less than one year or in at least two different selling points.
  • If the franchisor does not practice the franchise business in the Kingdom, the franchisor who has the right to grant a sub-franchise may not offer the franchise opportunity or grant the franchise until he has practiced franchising business in the Kingdom for a period of not less than one year.
  • A reference letter and/or an initial memorandum of understanding from both parties (franchisor and owner)

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