Financing for Small, Medium, and Micro Enterprises Reaches 489.2 Billion Riyals by the End of Q1 2026

Flag of the Kingdom of Saudi Arabia

The total volume of credit facilities extended to small, medium, and micro enterprises by the banking and finance sector in Saudi Arabia reached 489.2 billion riyals by the end of the first quarter of 2026, an increase of 28% compared to the same period in 2025.

Financing provided by the banking sector reached approximately 466.7 billion riyals, representing about 95% of total facilities, while facilities provided by finance companies reached 22.5 billion riyals, according to data from the Saudi Central Bank (SAMA).

In the Kingdom, medium-sized enterprises are classified as those with annual revenues ranging from 40 to 200 million riyals or having between 50 and 249 employees. Small enterprises are those with annual revenues between 3 and 40 million riyals or 6 to 49 employees, while micro-enterprises are those with annual revenues of less than 3 million riyals and fewer than 5 employees.

The following table details the facilities provided to small, medium, and micro enterprises by the lending sector:

Facilities Provided to Small, Medium, and Micro Enterprises by Lending Sector (Billion Riyals)*

Period

Banking Sector

Finance Companies

Total

Annual Change

Q1 2021

175.46

12.97

188.43

+ 40%

Q2

184.76

13.46

198.22

+ 25%

Q3

186.22

14.16

200.37

+ 14%

Q4

188.59

14.64

203.23

+ 12%

Q1 2022

203.41

15.27

218.68

+ 16%

Q2

205.61

15.39

221.00

+ 11%

Q3

212.57

15.47

228.03

+ 14%

Q4

213.23

16.08

229.30

+ 13%

Q1 2023

234.95

17.28

252.23

+ 15%

Q2

245.34

17.31

262.66

+ 19%

Q3

251.64

16.93

268.57

+ 18%

Q4

258.30

17.28

275.58

+ 20%

Q1 2024

275.73

17.70

293.43

+ 16%

Q2

289.80

17.61

307.40

+ 17%

Q3

311.77

17.46

329.23

+ 23%

Q4

333.50

18.22

351.72

+ 28%

Q1 2025

364.50

18.84

383.34

+ 31%

Q2

402.14

19.10

421.25

+ 37%

Q3

427.68

19.23

446.91

+ 36%

Q4

446.65

21.93

468.57

+ 33%

Q1 2026

466.66

22.53

489.19

+ 28%

*Data updated periodically.

According to the data, medium-sized enterprises led the total volume of facilities with about 230.4 billion riyals, representing 47% of the total, followed by small enterprises with about 169.7 billion riyals, and micro-enterprises with 89.1 billion riyals.

Facilities Provided to Small, Medium, and Micro Enterprises (Billion Riyals)

Enterprise Type

Value

Percentage of Total

Medium

230.36

47%

Small

169.74

35%

Micro

89.09

18%

Total

489.19

100%

Medium-sized enterprises accounted for 47% of the total facilities provided by the banking sector by the end of Q1 2026, equivalent to 220.7 billion riyals, while the share of small enterprises reached 160.4 billion riyals, and the share of micro-enterprises reached approximately 85.5 billion riyals, as shown in the following table:

Facilities Provided by the Banking Sector (Billion Riyals)

Enterprise Type

Micro

Small

Medium

Total

Q1 2021

8.34

39.67

127.45

175.46

Q2

8.47

44.18

132.11

184.76

Q3

11.14

45.08

129.99

186.22

Q4

9.37

50.59

128.64

188.59

Q1 2022

13.83

54.04

135.54

203.41

Q2

14.94

55.78

134.88

205.61

Q3

14.37

61.55

136.64

212.57

Q4

15.18

65.08

132.97

213.23

Q1 2023

19.62

70.25

145.09

234.95

Q2

20.21

75.70

149.43

245.34

Q3

21.35

77.87

152.42

251.64

Q4

22.32

84.09

151.89

258.30

Q1 2024

26.80

95.19

153.74

275.73

Q2

31.13

98.26

160.41

289.80

Q3

33.50

104.15

174.12

311.77

Q4

39.60

113.98

179.93

333.50

Q1 2025

50.76

131.15

182.59

364.50

Q2

57.40

145.78

198.96

402.14

Q3

62.99

152.87

211.81

427.68

Q4

80.07

154.42

212.16

446.65

Q1 2026

85.55

160.37

220.75

466.66

Medium-sized enterprises accounted for 9.6 billion riyals of the total facilities provided by finance companies, while the share of small enterprises was about 9.4 billion riyals, and micro-enterprises was about 3.5 billion riyals, as shown in the following table:

Facilities Provided by Finance Companies (Billion Riyals)

Enterprise Type

Micro

Small

Medium

Total

Q1 2021

2.79

5.63

4.55

12.97

Q2

2.70

6.10

4.66

13.46

Q3

2.77

6.61

4.78

14.16

Q4

2.94

6.77

4.93

14.64

Q1 2022

3.15

7.22

4.90

15.27

Q2

3.17

7.26

4.97

15.39

Q3

3.42

7.17

4.87

15.47

Q4

3.20

7.54

5.34

16.08

Q1 2023

2.92

8.30

6.06

17.28

Q2

2.95

8.18

6.19

17.31

Q3

2.68

8.04

6.21

16.93

Q4

2.58

8.19

6.52

17.28

Q1 2024

2.59

8.26

6.85

17.70

Q2

2.57

8.14

6.90

17.61

Q3

2.64

7.88

6.93

17.46

Q4

2.59

8.27

7.36

18.22

Q1 2025

2.75

8.46

7.62

18.84

Q2

2.71

8.53

7.87

19.10

Q3

2.65

8.72

7.86

19.23

Q4

3.22

9.35

9.36

21.93

Q1 2026

3.54

9.38

9.61

22.53

Saudi bank loans

Economic reports

{{displayname}}

{{profession}}

{{followercount}}

{{aboutme}}