Where do you start?

1. Apply directly to one of the banks participating with the program in the region where the activity is located.
2. Obtain the SME Finance Guarantee application form either through the bank, the program or the program's website (www.kafalah.gov.sa).
3. Filling in all the data contained in the application and attaching copies of all required documents related to the activity (commercial register - license - lease contract for the headquarters of the activity - ... etc.)
4. Submit all the above documents to the bank, which will study and evaluate the customer's financing request in light of its applicable criteria.
5. If the bank agrees to grant the requested funding, the bank will provide the program with these documents along with its approval to grant the requested funding and the program's sponsorship request signed by the client.
6. The program will study and evaluate the application in accordance with the bank's approval and the attached credit study.
7. If the program approves the issuance of the guarantee, the program will request the provision of guarantees deemed necessary (from the owner of the activity in favor of the program) including a pledge of assets.
8. The bank and the client will be notified of the approval of the issuance of the guarantee to complete the procedures for obtaining the necessary funding.