Saudi Arabian banknotes
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).
Credit Facilities to MSMEs Since 2018 (SAR bln)
Period
Value (SAR bln)
Change
2018
108.52
—
2019
117.35
+8%
2020
182.24
+55%
2021
203.23
+12%
2022
229.03
+13%
2023
275.58
+20%
2024
351.72
+28%
2025
467.70
+33%
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.
Credit Facilities by Sector (SAR bln)
Total
Financing Institutions
Banking Sector
Year
108.52
7.76
100.76
2018
117.35
9.38
107.97
2019
182.24
11.89
170.35
2020
203.23
14.64
188.59
2021
229.03
15.81
213.23
2022
275.58
17.28
258.30
2023
351.72
18.22
333.50
2024
467.70
21.06
446.65
2025
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.
Credit Facilitiesby Banks (SAR bln)
Total
Medium
Small
Micro
Year
100.76
74.76
22.31
3.70
2018
107.97
81.44
23.01
3.53
2019
170.35
123.26
39.92
7.18
2020
188.59
128.64
50.59
9.37
2021
213.23
132.97
65.08
15.18
2022
258.30
151.89
84.09
22.32
2023
333.50
179.93
113.98
39.60
2024
446.65
212.16
154.42
80.07
2025
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.
Credit Facilitiesby Financing Institutions (SAR bln)
Total
Medium
Small
Micro
Period
7.76
3.34
3.21
1.21
2018
9.38
3.88
3.81
1.69
2019
11.89
4.19
5.18
2.51
2020
14.64
4.93
6.77
2.94
2021
15.81
5.27
7.40
3.14
2022
17.28
6.52
8.19
2.58
2023
18.22
7.36
8.27
2.59
2024
21.06
8.76
9.10
3.20
2025
Saudi Arabian banknotes
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).
Credit Facilities to MSMEs Since 2018 (SAR bln)
Period
Value (SAR bln)
Change
2018
108.52
—
2019
117.35
+8%
2020
182.24
+55%
2021
203.23
+12%
2022
229.03
+13%
2023
275.58
+20%
2024
351.72
+28%
2025
467.70
+33%
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.
Credit Facilities by Sector (SAR bln)
Total
Financing Institutions
Banking Sector
Year
108.52
7.76
100.76
2018
117.35
9.38
107.97
2019
182.24
11.89
170.35
2020
203.23
14.64
188.59
2021
229.03
15.81
213.23
2022
275.58
17.28
258.30
2023
351.72
18.22
333.50
2024
467.70
21.06
446.65
2025
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.
Credit Facilitiesby Banks (SAR bln)
Total
Medium
Small
Micro
Year
100.76
74.76
22.31
3.70
2018
107.97
81.44
23.01
3.53
2019
170.35
123.26
39.92
7.18
2020
188.59
128.64
50.59
9.37
2021
213.23
132.97
65.08
15.18
2022
258.30
151.89
84.09
22.32
2023
333.50
179.93
113.98
39.60
2024
446.65
212.16
154.42
80.07
2025
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.
Credit Facilitiesby Financing Institutions (SAR bln)
Total
Medium
Small
Micro
Period
7.76
3.34
3.21
1.21
2018
9.38
3.88
3.81
1.69
2019
11.89
4.19
5.18
2.51
2020
14.64
4.93
6.77
2.94
2021
15.81
5.27
7.40
3.14
2022
17.28
6.52
8.19
2.58
2023
18.22
7.36
8.27
2.59
2024
21.06
8.76
9.10
3.20
2025
