{"id":9682,"date":"2023-10-23T14:06:27","date_gmt":"2023-10-23T11:06:27","guid":{"rendered":"https:\/\/alraedah.sa\/?p=9682"},"modified":"2026-08-20T14:50:28","modified_gmt":"2026-08-20T11:50:28","slug":"kafalah-program-and-financing-companies","status":"publish","type":"post","link":"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/","title":{"rendered":"The difference between the Kafalah program and financing companies"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Financing programs are programs that aim to provide the necessary funding for individuals and organizations to develop their business activities and achieve their goals. For this reason, these programs are among the main incentives that contribute to supporting the local economy and stimulating growth in any country. However, financing companies often require a \u201cguarantor\u201d to grant borrowers the necessary financing from these programs.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A guarantor is a person or institution that pledges to repay the financing value in the event that the borrower is unable to repay. The presence of a guarantor is an important factor in reducing financing risks and increasing the borrower\u2019s chances of obtaining the necessary loan or financing.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In some cases, it may be difficult for the borrower to secure a guarantor to obtain the financing. In this case, the borrower can use programs that do not require the signature of a guarantor. However, they must be aware of the terms and conditions of these programs before applying for them. The conditions for granting loans and financing often follow strict standards that the borrower must adhere to.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For this reason, there is now a demand for an entity that plays the role of a guarantor, facilitating borrowing from financing companies, and at the same time bearing some of the financial risks of the borrower\u2019s late payment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To meet this demand, the Saudi Industrial Development Fund launched the Kafalah Programme. So what is it? What is the difference between the Kafalah program and financing companies?\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You will learn about all this and more in the lines of our article, which we will formulate in a question-and-answer manner to give more clarity to the topic of the article.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-right counter-hierarchy ez-toc-counter-rtl ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<div class=\"ez-toc-title\" style=\"cursor:inherit\">\u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u0649<\/div>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#What_is_the_sponsorship_program\" >What is the sponsorship program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#What_are_the_requirements_for_obtaining_Kafalah_financing\" >What are the requirements for obtaining Kafalah financing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#What_are_the_benefits_of_applying_for_the_Kafala_program\" >What are the benefits of applying for the Kafala program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#What_about_the_failure_rate_of_the_sponsorship_program\" >What about the failure rate of the\u00a0 sponsorship program?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#What_if_the_program_guarantees_a_business_and_it_defaults_on_payments\" >What if the program guarantees a business, and it defaults on payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#What_is_the_difference_between_the_Kafalah_program_and_financing_companies\" >What is the difference between the Kafalah program and financing companies?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#Why_is_Al_Raedah_the_best_source_of_financing_for_small_and_medium_enterprises\" >Why is Al Raedah the best source of financing for small and medium enterprises?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/alraedah.sa\/en\/kafalah-program-and-financing-companies\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_sponsorship_program\"><\/span><span style=\"font-weight: 400;\">What is the sponsorship program?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Kafalah Program is a government program that aims to support small and medium enterprises in accessing the necessary financing to develop and expand their commercial activities. It does this by providing guarantees to financial institutions that wish to lend to SMEs.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This program helps financial institutions feel comfortable lending to small and medium enterprises, making it easier for enterprises to obtain the financing they need.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The Kafalah Program also aims to attract a new segment of small and medium enterprise owners who are not accustomed to dealing with financing agencies, by providing support and guidance to these enterprises, which helps them prepare financing applications and manage their business more effectively.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The program contributes to the growth and development of the small and medium enterprises sector. By facilitating these enterprises\u2019 access to financing, they can develop their activities and expand their scope of work, which creates new job opportunities and increases gross domestic product. The program also contributes to the development of cities and regions that are less economically active by supporting small and medium enterprises operating in these regions.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_requirements_for_obtaining_Kafalah_financing\"><\/span><span style=\"font-weight: 400;\">What are the requirements for obtaining Kafalah financing?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To obtain financing through the Kafalah program, small and medium enterprise owners must follow these steps:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Apply for financing to one of the financing agencies cooperating with the program, attaching all required documents.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Here the application is studied by the financing body.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the financing party needs guarantees, the application is transferred to a sponsorship program to study the guarantee request.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Kafala Program checks the application.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If approved, a guarantee is issued in favor of the financing party, and written approval is obtained from the borrower to accept registration in the Kafalah program.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Owners of small and medium enterprises can view the list of financing agencies cooperating with the Kafalah program on the program\u2019s website.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">It is worth noting that there are no specific conditions for obtaining financing from the Kafalah program, as each financing party cooperating with the program determines its own conditions for obtaining the required financing. Therefore, it is better to contact the funding agencies cooperating with the program to inquire about the conditions for obtaining funding from the Kafalah Program.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">But in general, most financing companies share some conditions that must be met by small and medium enterprises that wish to obtain financing, including:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The facility must be registered in the Kingdom of Saudi Arabia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To work in one of the sectors targeted by the program.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The establishment must have a valid commercial register.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The facility must have an annual financial plan and budget.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The business must have an implementable business plan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">They must be able to repay the loan.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_benefits_of_applying_for_the_Kafala_program\"><\/span><span style=\"font-weight: 400;\">What are the benefits of applying for the Kafala program?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The program seeks to achieve multiple goals: Some of them are related to individuals who own projects themselves, and some are related to supporting the local economy. These goals are as follows:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contributing to the development of the national economy; This is done by supporting and developing all small and medium enterprises.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increase the volume of local production.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Supporting individuals&#8217; projects increases individual income, thus improving their standard of living.<\/span><\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The Kafalah program contributes to reducing unemployment rates and increasing the labor force by supporting those who want to work but cannot find a suitable source of financing for their existing projects, or even those who have ideas for new projects and are seeking to implement them.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The difference between the Kafalah program and financing companies is that the program achieves these goals by helping small and medium enterprises obtain the necessary financing to develop and expand their businesses. It also provides support and guidance to business owners, which helps them manage their businesses effectively and achieve success.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_about_the_failure_rate_of_the_sponsorship_program\"><\/span><span style=\"font-weight: 400;\">What about the failure rate of the\u00a0 sponsorship program?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hammam Hashem, Director General of the Kafalah Program, revealed that the failure rate of projects sponsored by the program does not exceed 1.6 percent. This is a very reasonable percentage when compared with other guarantee programs, and he pointed out that the guarantee may reach 80% of the value of one loan, which may be worth up to a maximum of 1.6 million riyals.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_if_the_program_guarantees_a_business_and_it_defaults_on_payments\"><\/span><span style=\"font-weight: 400;\">What if the program guarantees a business, and it defaults on payments?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The difference between the Kafalah program and financing companies is that the program is a government development program that does not aim to achieve profit, but rather to achieve sustainability in providing its services.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In the event that the program includes an establishment and the establishment defaults on payment, the program works to overcome financing obstacles by covering or guaranteeing a percentage of the risks of the financing entity in the event that the guaranteed activity fails to repay the financing or part of it.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This means that the program bears part of the financial risks resulting from the facility\u2019s default, and therefore works to compensate the financing party with part of the value of the financing due.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_the_Kafalah_program_and_financing_companies\"><\/span><span style=\"font-weight: 400;\">What is the difference between the Kafalah program and financing companies?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The Kafalah Program is a program that provides the necessary guarantees to financing agencies with the aim of helping micro, small and medium enterprises and entrepreneurs obtain the necessary financing to develop their activities. Therefore, the difference between the Kafalah program and financing companies is evident in several aspects, including:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Kafalah program does not provide financing directly, but rather provides financial guarantees to enhance the opportunities for small and medium enterprises to obtain the necessary financing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Kafalah program works in conjunction with various financing agencies, while financing companies work independently.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Kafalah program aims to encourage financing agencies to deal with the small and medium enterprises sector without making any profits, while financing companies aim to achieve profits by providing financing.<\/span><\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Why_is_Al_Raedah_the_best_source_of_financing_for_small_and_medium_enterprises\"><\/span><span style=\"font-weight: 400;\">Why is Al Raedah the best source of financing for small and medium enterprises?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Since its founding, Al Raedah has become the main financing company for small and medium enterprises in the Kingdom of Saudi Arabia, serving the local economy and empowering business owners by providing appropriate online loan solutions that reflect positively on their businesses.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Away from the usual complexities and lengthy financing procedures, Al Raedah offers a package of facilities that make the process of obtaining financing faster and more flexible, and among these facilities are:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The process of obtaining financing is very fast. Once you complete the required documents, you may be able to obtain the financing amount within 7 working days.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There is no need to go through the hassle of paying monthly installments, as SME financing will be repaid through daily sales.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flexibility in the repayment period, which starts from one year and lasts up to three years, so you can choose the time period that suits you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Obtaining the ideal financing for your facility; The financing amount starts from 50 thousand Saudi riyals and goes up to 7 and a half million Saudi riyals. Therefore, whatever the financing amount that is compatible with your ambitions and the circumstances of your facility, you will find Al Raedah ready to provide it whenever the necessary conditions are met.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Al Raedah Company understands well the needs of customers, so it deducts the financing fees from the financing amount itself, and does not ask the customer for amounts that are added to monthly burdens. It also deals with this matter transparently and clearly and does not deduct any hidden or surprising fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You may be able to obtain financing regardless of the location of your facility in the Kingdom of Saudi Arabia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The procedures for applying for an online loan are quite easy; It can be completed online via the website, and there is no need to submit financial statements. Account statements are sufficient to obtain financing for small enterprises.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><span style=\"font-weight: 400;\">Conclusion<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So, as we have seen, the Kafalah program provides solutions that help many people obtain financing from numerous companies. We also learned the difference between the Kafalah program and the individual financing companies. So, what if you want to obtain financing without a guarantor?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In this regard, Al Raedah is distinguished as the best non-banking financing institution in Saudi Arabia. Through the financing services it provides, you can obtain financing that meets your needs in the best possible way. So what are you waiting for? Find out how Al Raedah can help.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financing programs are programs that aim to provide the necessary funding for individuals and organizations to develop their business activities and achieve their goals. For this reason, these programs are among the main incentives that contribute to supporting the local economy and stimulating growth in any country. However, financing companies often require a \u201cguarantor\u201d to [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":4193,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"page_builder":"","footnotes":""},"categories":[31],"tags":[],"class_list":["post-9682","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The difference between Kafalah program and financing companies<\/title>\n<meta name=\"description\" content=\"how the Kafalah program provides services that make it easier for companies to obtain financing\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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