The Social Development Bank offers Sharia-compliant loans to Saudi citizens.

Available Loans 2026

  • Family Financing: up to 100,000 SAR, 4 years
  • Freelance Financing: up to 80,000 SAR, 5 years
  • Kenaf: 18,000-30,000 SAR
  • Startup: up to 500,000 SAR
  • Franchise: up to 4 million SAR

Requirements

  • Saudi citizen, age 18-65
  • Good credit record
  • Income below 14,500 SAR/month

Steps

  1. sdb.gov.sa
  2. Login via Nafath
  3. Choose loan type, fill details
  4. Upload ID, IBAN, documents
  5. Wait 5-10 days

Source: sdb.gov.sa