Name

Social Development Bank

Legal name

Social Development Bank

Website

https://sdb.gov.sa

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Development Banking

NAICS

Depository Credit Intermediation (5221)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

akta.pro secondary industry

Social Infrastructure Funds (Schools, Hospitals, Civic) (FSANAEAN)

Keywords

• Social development financing
• Government development banking
• Small business lending
• Social and enterprise loans
• Financial inclusion services

Headquarters

HQ city

Riyadh

HQ country

Saudi Arabia

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Interest and Service Fees: The bank generates revenue through interest on social development loans and various financing products. Fees include administrative fees (ranging from 7% to 10% depending on product) and annual service fees (ranging from 2% to 3.5%). Products serve individuals, businesses, and non-profit sectors with different fee structures.
2. Social Development Financing: Development-focused lending including family financing, home renovation, marriage loans, education financing, and support for widows, divorcees, and persons with disabilities. Revenue generated through loan servicing and administrative fees on these social financing products.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Social Development Bank is a Saudi government development bank providing social, freelance, and enterprise financing products to citizens, small businesses, freelancers, and non-profit organizations. Core offerings include family, home renovation, marriage, education, and Kanaf (vulnerable groups) financing for individuals; assets, cash, and seasonal financing for freelancers; and Excellence, Entrepreneurs, Franchise, IT, and Gaming & Esports financing for enterprises, all delivered through a fully digital branchless platform.

Differentiator

Problem solved

Functional benefit

Brands

• Partner Entities Portal: An electronic service provided by the bank to attract partner entities to provide non-financial services to entrepreneurs.
• Jusoor Platform
• Education Finance Portal
• Financial Portfolios for Productive Families Projects
• Hala Service (خدمة هلا)
• Daem Loan (تمويل دايم)
• Sahem Loan (تمويل ساهم)
• Excellence Financing

Products and services

• Family Financing (تمويل الأسرة)
• Home Renovation Financing (تمويل الترميم)
• Marriage Financing (تمويل الزواج)
• Education Financing (تمويل التعليم)
• Kanaf Financing (تمويل كنف)
• Cash Financing (التمويل النقدي)
• Assets Financing (تمويل الأصول)
• Seasonal Financing (تمويل موسمي)
• Excellence Financing (تمويل التميز)
• Entrepreneurs Financing (تمويل رواد الأعمال)
• Franchise Financing (تمويل الامتياز التجاري)
• Liquidity Financing (تمويل السيولة)
• Information Technology Financing (تمويل تقنية المعلومات)
• Gaming & Esports Financing (تمويل الألعاب والرياضات الإلكترونية)
• Daem Loan (تمويل دايم)
• Sahem Loan (تمويل ساهم)
• Financial Portfolios for Productive Families (المحافظ المالية لمشاريع الأسر المنتجة)

Quantifiable outcome

• SAR 8 billion total financing deployed to approximately 100,000 beneficiaries in 2025
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature4 records

Partnerships

Five partnerships are on record, tiered major and core.

• AlibabamajorStrategic or Co-development Partner · 24 December 2025International partnership announced at DeveGO25 Forum supporting entrepreneurial initiatives. Alibaba is one of the international entities partnering with Social Development Bank for various entrepreneurial, healthcare, energy, and social initiatives under Saudi Vision 2030.
• IncofinmajorStrategic or Co-development Partner · 24 December 2025International development finance partner collaborating with Social Development Bank. Partnership announced at DeveGO25 Forum supporting productive families financing and social initiatives.
• National Development Fund (NDF)coreStrategic or Co-development PartnerCooperation with National Development Fund for Gaming & Esports financing product, offering up to SAR 45 million for companies in the gaming and esports sector.
• National Technology Development Program (NTDP)coreStrategic or Co-development PartnerPartnership with NTDP for Information Technology financing product supporting micro, small, and medium enterprises in the technology sector with financing up to SAR 8.5 million.
• Local Partner OrganizationsmajorChannel Partner/ Reseller/ DistributorMultiple local organizations collaborating with Social Development Bank at DeveGO25 Forum to finance startups and foster job creation under Saudi Vision 2030. Includes 51 total agreements signed.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Saudi Industrial Development Fund (SIDF): Saudi government development bank providing financing and credit support to Saudi industrial enterprises. Like SDB, SIDF operates under the National Development Fund umbrella and provides concessional credit for sector development, making it the closest domestic peer in mandate and structure.
• Kafalah Program: Saudi government-backed loan guarantee program that enables SMEs to access financing from commercial banks. Targets a similar SME and entrepreneur base as SDB's enterprise products, with both operating under the National Development Fund.

Broad incumbents

• Monsha'at (General Authority for Small and Medium Enterprises): Saudi government authority supporting SME growth through financing facilitation, capability building, and ecosystem development. Operates in the same SME/freelancer financing adjacency as SDB and channels capital to overlapping entrepreneur segments, though without being a direct lender.
• KfW Development Bank: Germany's state-owned development bank financing development projects globally, including SME and microfinance programs in emerging markets. A much larger international analog to SDB's mandate, providing concessional development credit and capacity-building services.
• FMO (Dutch Entrepreneurial Development Bank): Dutch development finance institution investing in SMEs, financial institutions, and infrastructure across developing markets. Comparable to SDB in its mission-driven approach to financing underserved entrepreneurs and SMEs, though operating at a much larger international scale.
• BNDES (Brazilian Development Bank): Brazil's main state-owned development bank providing concessional financing for SMEs, infrastructure, and innovation. Comparable in mandate structure as a government development bank channeling credit for national economic and social development priorities.

Regional players

• Bahrain Development Bank: Bahraini government-owned development bank providing financing to SMEs, startups, and individuals. Operates with a similar development-mandate model in a neighboring GCC market, making it a direct regional analog for SDB's enterprise and social financing products.
• Qatar Development Bank (QDB): Qatari government development bank supporting SME growth, entrepreneurship, and economic diversification. Comparable to SDB in its mission to channel concessional credit and capability support to SMEs and entrepreneurs, serving an analogous role within Qatar's National Vision 2030.
• Khalifa Fund for Enterprise Development (UAE): UAE federal initiative providing financing and non-financial support to Emirati entrepreneurs and SMEs. Operates with a development-mandate model targeting similar low-income and entrepreneur segments as SDB, though focused on Emirati nationals rather than a broader population.

Others

• Council of Development Finance Institutions (CDFI): Industry association representing community development financial institutions providing capital to underserved markets. While not a direct competitor, it represents the global ecosystem of mission-driven development lenders with which SDB shares an operating philosophy and beneficiary focus.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/sdb_care

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Social Development Bank