Credit facilities for Saudi MSMEs hit SAR 467.7B in 2025

Credit facilities extended to micro, small, and medium enterprises (MSMEs) rose by 33% year-on-year (YoY) to SAR 467.7 billion in 2025, data from the Saudi Central Bank (SAMA) showed.

Medium-sized enterprises topped the total amount of credit facilities with approximately SAR 220.9 billion, small enterprises with about SAR 163.5 billion, and micro enterprises with SAR 83.3 billion. 

In Saudi Arabia, medium-sized enterprises are classified as those with annual revenues between SAR 40 and SAR 200 million or employing 50 to 249 on rolls. Small enterprises are those generating annual revenues between SAR 3 and SAR 40 million (employing between 6 and 49 people). Micro enterprises have annual revenues of less than SAR 3 million (fewer than five employees).

The financing offered by the banking sector reached SAR 446.6 billion, representing 95% of the total facilities. Meanwhile, the financing institutions offered SAR 21.1 billion, or 5% of the total.

Medium enterprises accounted for SAR 212.2 billion, representing 48% of total banking facilities, while small and micro enterprises accounted for approximately SAR 154.4 billion and SAR 80.1 billion, respectively.

Small enterprises received SAR 9.1 billion of the total facilities offered by financing institutions in 2025, while medium enterprises received around SAR 8.8 billion in the same period.