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Last Modified 23 March 2025

Liquidity
financing

An electronic service for applying to the "Liquidity Loan" product, an urgent financing solution specifically designed to support micro-enterprises in Saudi Arabia. This product aims to meet the immediate financial needs of these enterprises, providing funding of up to 500,000 ♦ for businesses with annual sales not exceeding 40 million ♦ all without visiting the bank branches.

Service level agreement

Product video with sign language

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The specifications and features of liquidity financing are summarized in the following points:

A financing ceiling of up to 500,000 ♦ .
The repayment period is up to 8 years (including the grace period).
The grace period is up to 3 months.
The financing is disbursed in one payment.
Payment is made monthly.
Administrative fee: 7%.
Annual service fee: 3.5%.

To obtain liquidity financing, the following conditions must be met:

The applicant must be of Saudi nationality.
The commercial registration must not be less than 6 months.
The commercial register must be active for no less than 180 days during the application process.
It is allowed to own or have a partnership in a different facility other than the facility to be financed.
The applicant is required to own an equal or higher share if there are partners in the project.
A maximum annual sales limit of 40 million ♦ is required.
- The integrity of the credit record and that the defaults do not exceed the amount of 15,000 ♦ and do not exceed 90 days.

To obtain financing for a liquidity product to finance micro-enterprises, the following files and requirements must be provided:

Copy of the partners’ national IDs if the project is a “company”.
A copy of the commercial registration (active for at least 180 days during the application stages).
A copy of the articles of incorporation (if any).
A copy of the sponsor’s ID.
Definition of the sponsor’s salary.

Personal sponsorship guarantee is a deduction from the salary (at the rate of 100%).

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Target:

Citizens, male and female

Beneficiaries:

New

Fees:

Administrative fee 7%
Annual service fee 3.5%

Payment Channels

SADAD Service

Availability:

24/7

SLA:

54 working days

Channels:

Language:

Arabic

User's Guide:

User Guide

Service start date

2016

FAQs

Click Here

Customer Service:

Phone
920008002
Email
care@sdb.gov.sa

Internal strategic engagement

Financing the “Liquidity” product intersects with one of the bank’s strategic objectives: Facilitating and providing financing and products to small and emerging enterprises

International strategic engagement

Liquidity financing intersects with Goal 9 of the United Nations Sustainable Development Goals. It can be viewed here here

Product features

Financing ceiling

500,000 ♦

Financing period

5 years

Payment method

On a monthly basis

Administrative fees

Administrative fee 7% Annual service fee 3.5%

The grace period

Up to 3 months

Customer journey

Apply

Eligibility check

Processing

Exchange

Do you have any questions?

If you have any questions about Syola finance, please see the questions:

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