Business Payroll financing

Business Payroll Financing product enables small and medium-sized enterprises to obtain 3 months SMEs payroll finance with a finance tenor of 12 months (Revolving limit) up to SAR 2 million in affordable terms, competitive prices, and without the need to submit financial statements.


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Financing advantages:
  • 3 Months payroll financing up to SAR 2 Million.
  • Competitive rates and fees.
  • Quick study and financing approval.
  • Easy and flexible terms and conditions.


Finance Limits:
  • Financing up to 25% of the last 12 months of account transactions with maximum limit of SAR 2,000,000.
  • Revolving Limit.


Financing terms and requirements:
  • Business age should not be less than one year based on CR.
  • Signing Payroll Services Agreement with Alinma bank.
  • Eligible for all business types except constrictions contractors.
  • 3 Months payrolls from GOSI no more than SAR 2,000,000.
  • Current Account statement for the last 12 months with deposits of not less than 300% of the required financing.
  • VAT Report for the last 12 Months.
  • Eligible for only Green and Platinum level at NITAQAT.
  • Business should not be a full benefited of (Kafalah) program.
  • Positive SIMAH records for the Business and the owners.


Finance Type:

Bai Al-Ajel


Finance Tenor:

12 Months



Quarterly repayments


Finance Pricing and fees:


It depends on the nature of the financing and varies according to the creditworthiness and the client's relationship with the bank.