The Future of SME Lending in GCC

SMEs are the backbone of the GCC’s economic diversification—but remain structurally underserved by traditional banking systems. Despite contributing over 90% of registered businesses, SMEs receive less than 10% of total bank credit, leaving a financing gap of nearly USD 250 billion across the region.

As policy reforms, fintech innovation, AI-driven underwriting, and alternative credit platforms gain momentum, SME lending in the GCC is entering a transformative phase. Digital origination, cash-flow-based lending, and asset-light collateral frameworks are reshaping access to capital—unlocking growth for a new generation of businesses across Saudi Arabia and the UAE.