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
Saudi SME loan guarantees — up to 90% coverage through partner Saudi banks. SAR 13.9B issued in 2024. The most flexible route we see for funding AI work.
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
The UAE mandate to put agentic AI into 250,000 SMEs by 2028 — what it actually means and how to qualify.
Frequently asked questions
How can a Saudi SME fund an AI project?
Creatrixe uses Vision 2030-aligned programs such as Kafalah, Monsha'at, SDAIA tracks, HRDF / Saudization subsidies and SIDF Tanafusiya. Creatrixe is not a financing broker, but it writes the use-of-funds memo for your bank file for free.
What is Kafalah and how much does it cover?
Kafalah offers Saudi SME loan guarantees of up to 90% coverage through partner Saudi banks, and SAR 13.9B was issued in 2024. Creatrixe calls it the most flexible route it sees for funding AI work.
What is SIDF Tanafusiya?
It is Industrial Development Fund co-financing for industrial AI projects, from SAR 5M to 50M with tenors up to 15 years.
Can I get subsidies for hiring Saudi AI engineers?
Yes, HRDF wage subsidies tied to Saudization cover a meaningful share of the cost of hiring Saudi AI engineers.
Are there funding programs outside Saudi Arabia?
Yes. The page covers Tamkeen, Bahrain's labour fund, which offers wage subsidies and capability development for AI adoption by Bahraini SMEs. It also covers the UAE mandate to put agentic AI into 250,000 SMEs by 2028.