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 Loan Guarantee Program

​ The Loan Guarantee Product is a financial tool introduced by the Environment Fund to support private sector engagement in environmental initiatives. In 2025, the Fund signed a framework agreement with the Kafalah Program and is finalizing agreements with a range of financial institutions, including Riyad Bank, Banque Saudi Fransi, SABB, Arab National Bank, and Al Rajhi Bank. These guarantees are designed to improve access to finance for projects in areas such as waste management, vegetation cover, and recycling by reducing risk for lending institutions. The Environment Fund is also working with national environmental centers to evaluate incoming support requests and has initiated the development of policies and procedures for managing the Loan Guarantee Product.
Loan Guarantee
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  • Alignment with the Focus Areas of the Incentives and Grants Program

    The extent to which the proposed investment objectives align with the focus areas of the Environment Fund.

  • Scope of Impact

    The expected scope of the proposed investment's impact on the environment, society, and economy.

  • Sustainability of Impact

    The proposed investment's ability to maintain its benefits over time, ensuring the continuity of the positive impact even after the initial funding stops.

  • Technical Feasibility of the Investment Approach

    Clarity of objectives, work plan, and feasibility, including the identification of stakeholders and resource mobilization, and setting realistic timelines.

  • Realism of the Investment Amount

    The extent to which the investment amount is logical, practical, and achievable, ensuring that available resources match expected expenses and project objectives.

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  • Registration certificate from the Ministry of Commerce

  • Classification certificate from 'Monshaat' for the SME

  • Latest financial statements of the applicant entity

  • Profile of the small or medium-sized enterprise

  • Credit report from 'Simah' (for companies)

  • Recommended Optional Documents

  • Detailed proposal for the initiative

  • Required licenses and permits

  • Additional Documents Provided by Applicant

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  • Submit Application

    The applicant submits the application by filling out the application form and sharing the required documents.

  • Application Review

    The application is reviewed according to eligibility criteria and evaluated later using pre-defined standa​rds.

  • Select and Send Approval Notification

    Approved applicants are selected and notified of the result and next steps.

  • Disburse Incentives and Track Progress

    Money is disbursed and progress is tracked.

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The program targets SMEs in the environmental sector.

This program does not directly provide loans, but rather facilitates access through guarantees. Projects that support waste management, vegetation cover, and recycling by reducing risk for lending institutions can apply for guarantees.

The project sees guarantee agreements offered in partnership with institutions including Riyad Bank, Banque Saudi Fransi, SABB, Arab National Bank, and Al Rajhi Bank.
Target Groups
Small enterprises, Medium enterprises
Scope
Participation or investment in the environment sector
Support Budget
Service Duartion
Service Fees
Location
Kingdom of Saudi Arabia
Language
Arabic and English

Last modified: 08/31/2025 - 16:19 KSA time

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