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​In accordance with the authority vested in the Saudi Central Bank (SAMA) under the provision of the Saudi Central Bank Law - issued by Royal Decree No. (M/36) dated 11/04/1442H, Finance Companies Control Law - issued by Royal Decree No. (M/51) dated 13/08/1433H, Real Estate Finance Law , Finance Lease Law, and Implementing Regulations, the Saudi Central Bank (SAMA) carries out the functions of control and supervision of financial institutions, including the regulation of the finance sector, which includes licensing.


Types of Licenses:

1. The establishment of "joint stock" finance companies that are licensed to engage in one or more of the following financing activities:

Real estate finance.


Production asset finance.

Consumer Microfinance activity

Small and medium enterprise finance.

Consumer Microfinance activity.
using financial technology.

Finance lease.


Credit card finance.

Debt-Based Crowdfunding

Consumer finance.

  Any other finance activity approved by SAMA.


2. The establishment of companies that carry out finance support activities:

Debt collection for banks and finance companies.

Finance Aggregator service.


3. The establishment of companies that carry out the activity of registering financial lease contracts.


The Guidelines:

In order, to carry on financing activity / finance support activities, the applicant should review the following documents:


Application Forms:

SAMA underlines the importance of fulfilling all the requirements outlined in the Guidelines before filling out the correspondence application form with respect to the intended activity. All forms are available at the links below:


Application Process:

The applicant shall submit an application to SAMA using the License Request Form, complete with all information including prerequisite documents and files, and then submit it via email: (LICFCC@SAMA.GOV.SA).

If any changes occur to the given information by license applicant prior to SAMA's decision on the application, the license applicant shall notify SAMA as soon as possible.