Funding Programs · GCC
How Gulf SMEs actually pay for AI.
The Vision 2030-aligned programs we use to fund AI engagements — what each one covers, who qualifies, and where we plug in. We are not a financing broker; we write the use-of-funds memo for your bank file for free.
Kafalah
Guarantees a share of eligible SME financing. Coverage and limits depend on the product, registered activity and lender assessment.
Monshaat
The national SME authority — the portal that connects you to Kafalah, Monshaat Bank products and certified consultants.
SDAIA tracks
The Personal Data Protection register and the Year of AI 2026 consultant tracks — alignment work we handle alongside your engagement.
HRDF / Saudization
Human Resources Development Fund wage subsidies tied to Saudization — hire Saudi AI engineers with a meaningful share of cost covered.
SIDF Tanafusiya
Industrial Development Fund co-financing for industrial AI projects — SAR 5M to 50M, tenors up to 15 years.
Tamkeen (Bahrain)
Bahrain's labour fund — wage subsidies and capability development for AI adoption by Bahraini SMEs.
Dubai agentic-AI mandate
Dubai’s two-year private-sector Agentic AI initiative: training and ecosystem support. Check the current official programmes and their terms.