Discover the Payroll Financing product for small and medium-sized enterprises, and enjoy exclusive, comprehensive benefits.
Starting with financing for up to 3 months of salaries, with a duration of up to 12 months, and a revolving financing option of up to SAR 2 million — all without the need to provide financial statements.
Simple and Convenient Ways to Apply for Payroll Financing:
- Apply Now – Quick and Easy!
Fill out the online form, and one of our dedicated specialists will contact you shortly to guide you through every step of the application process. - Visit Your Nearest Branch
Drop by any of our branches, and our customer service team will be happy to answer your questions and assist you with your financing application. - Meet Us in Person – Specialized Support
Visit our SME Financing Department at the Head Office in Riyadh or at our regional offices in Jeddah and Khobar, where our experts are ready to serve you with tailored solutions.
Financing Benefits
Salary financing for up to 3 months, with a maximum limit of Ʀ 2 million
Competitive rates and fees
Fast processing of financing requests
Flexible and easily achievable terms
Financing Limits
- Financing limit up to Ʀ 2 million.
- Revolving financing limit.
Financing Terms and Requirements
- The business must be operational for at 2 years from the date of issuing the commercial registration.
- Sign a payroll service agreement with alinma.
- A payroll record with GOSI for at least 3 months.
- Provide a bank statement for the last 12 months.
- Submit tax declarations for the last 12 months.
- The customer must have a classification within the "Green" or "Platinum" categories in the Nitaqat system.
- The business or its owners must have a clean credit record with SIMAH.
Pricing and Fees
- Determined based on the nature of the financing and vary according to the customer’s creditworthiness and relationship with alinma.