Saudi Arabia’s Tarmeez Capital Launches SAR 4 Billion Fintech Initiative for SMEs

Editorial Team

Last updated 12-11-2025

3 min

Tarmeez Capital has launched a SAR 4 billion financing portfolio with Monsha'at.

The initiative introduces Islamic Sukuk instruments to boost SME access to capital.

This move aligns with Saudi Vision 2030, promoting a diversified, innovation-driven economy.

The partnership uniquely integrates public and private sectors to support local entrepreneurs.

The success of SME access to these funds will test the efficiency of the initiative.

Saudi Arabia’s fintech scene has been buzzing lately, and now there’s another big step that could shake things up for the country’s entrepreneurs. Tarmeez Capital has rolled out a massive SAR 4 billion financing portfolio in partnership with the Small and Medium Enterprises General Authority (Monshaat). The announcement took place during Biban 2025 in Riyadh — a fitting backdrop for such a move aimed at powering up the SME ecosystem.

At the heart of this partnership are innovative Islamic Sukuk instruments designed to open fresh financing channels for small and medium-sized enterprises. The goal, as laid out by both parties, is to make access to capital quicker, more efficient and more sustainable — all while keeping pace with the ambitions of Saudi Vision 2030. From the sound of it, this isn’t just about money but about building a diversified, innovation-driven economy that puts home-grown entrepreneurs in the driver’s seat.

Mansour Al-Saadoun, representing Tarmeez Capital, was quoted saying that this collaboration reflects the company’s commitment to developing sustainable financing tools that truly move the economic needle. He went on to note that aligning with Monsha’at is a strategic leap towards shaping the future of finance and ensuring that more local businesses can stand on their own two feet. Fair play to them — that’s no small undertaking.

What stands out, though, is how this partnership brings together the public and private sectors in a way that feels, well… organic. It’s not merely a top-down initiative; rather, it’s a signal that the Kingdom is betting big on SMEs to fuel long-term growth. And speaking as someone who’s followed MENA’s startup stories at Arageek for a while, I reckon this could be the kind of boost that helps smaller enterprises finally chase larger ambitions without so much of that usual financial faff.

Tarmeez Capital said this launch sits within a wider strategy to empower small businesses, improve their access to investment, and push the economy towards sustained expansion. The company already has experience creating Islamic Sukuk solutions that let investors tap into attractive returns while supporting real enterprises — a model that could serve as a spot-on fit for the Saudi market.

On the flip side, the real test will come in how smoothly SMEs can plug into these new financing routes. Bureaucracy has a habit of slowing things down, doesn’t it? But if this initiative keeps its promises, it could turn out to be a proper game changer for entrepreneurial finance in the region. And for those of us encouraging innovation from the sidelines, that’s something to be chuffed about — even if it’s still early days, and there’s definately more work ahead.

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