OverviewWe provide financing and advisory services for the establishment and expansion of enterprises. These services include business financing, financing options, and letters of credit associated with projects, as well as tools to protect against currency fluctuation risks. Features & Benefits Customized Financing Structures Tailor financing to specific project requirements, including limited recourse, non-recourse, and hybrid structures. Long-Term Funding Customers are not allowed to refinance, unless they pay at least 20% of their current finance amount. Risk Mitigation Solutions Benefit from structures that distribute and manage risk among stakeholders, lenders, and sponsors. Multi-Party Arrangements Coordinate syndications or club deals involving multiple lenders and stakeholders. Flexible Security Packages Adapt security structures to the project’s assets, cash flow, or sponsor strength. Dedicated Relationship Support Access specialized teams with expertise in structuring complex transactions. Eligibility Criteria Required Documents How to Apply Registered Business Entity Must be an established SME registered as a legal entity (sole proprietor, limited liability company, or similar). Credit Assessment Must have a satisfactory credit history for the business and its owners, as recorded in SIMAH. Business Standing Must be in operation for at least 3 years with a permanent business location or outlet. View full Terms & Conditions Commercial Registration Provide a valid commercial registration certificate. Financial Statements Submit audited financial statements for the last 3 years. Business Financial Indicators Provide supporting information demonstrating positive financial indicators for the business. National Address Registration Provide a valid national address registration confirming the business’s permanent location or outlet. View full Terms & Conditions Prepare Required Documents Gather and ensure all required documents are complete before proceeding with the application. Submit Your Application Submit your application along with the required information to begin the review process. Application Review The bank reviews your application to assess eligibility and next steps. Final Decision Based on the review outcome, the application is either approved or declined, and you are notified of the decision accordingly. View full Terms & Conditions Rates & Fees ProductAnnual Percentage Rate*Administration FeesShort-Term Loans5% - 7% plus SIBOR1.5% - 3%Mid-/Long-Term Loans6% - 8% plus SIBOR1.5% - 3% *Above rates may change based on the credit record of the entity. Get in Touch with Our Team Find us, get in touch, and don’t hesitate to ask for assistance. Phone Number +966 11 874 3000 Telasales Email telesales@saib.com.sa Frequently Asked Questions What project stages are eligible for financing? We provide funding across all major phases, including construction, daily operations, and ongoing maintenance. What specific financial tools are included? The facility covers structured project loans, various bank guarantees, and invoice discounting to support import/export needs. How is the security for the loan structured? Security packages are flexible and can be based on project assets, future cash flows, or the financial strength of the sponsors. We’re Always Within Reach Stay connected to your banking, through our customer care team, digital channels, and branches everywhere. Customer Care Submit inquiries, raise complaints, and access support anytime. /customer-care Branches & ATMs Easily locate branches and ATMs wherever you are. E-Banking Services Bank smarter and faster with our secure digital platforms. /personal/e-banking-services