Saudi Central Bank (SAMA)
Do I need a licence for debt crowdfunding in Saudi Arabia?
Content reviewed 2026-08-14 · How we check sources
Short answer
Yes. Debt-based crowdfunding is regulated by SAMA, which has dedicated rules and licensing requirements for debt-based crowdfunding companies.
What this means
This answer refers specifically to SAMA’s regulated Debt-Based Crowdfunding category. A debt security offered through a securities-market structure can still require a separate Saudi CMA analysis, so the legal form of the instrument remains decisive.
The instrument’s legal form determines the regulator, so do not classify a crowdfunding platform solely by the word “crowdfunding.”
Official sources
SAMA — Rules for Debt-Based Crowdfunding ↗Ask with your entity, activity and regulator.
Regulatory research, not legal advice. This answer has the scope and review date shown above; your institution decides applicability.