Everything the founding cohort receives — the challenge you're solving, and the full support package behind it.
These are not nice-to-haves. They are eleven unsolved problems inside SNB's own operations — already scoped, prioritized, and waiting on the market. The pain is proven, and a direct pilot pathway sits behind whoever answers well.
Every applicant is scored on which challenge they answer and how directly their solution maps to it — the single highest-leverage thing to get right in your application.
How can a merchant reconcile sales, settlements, and fees across every channel it sells through?
How can financing reach an SME at the point of trade, when the need appears — not weeks later?
How can a multi-site SME run inventory, staff, cash, invoicing, VAT/e-invoicing, and reporting as one operation across all its locations?
How can a supplier get paid early on a buyer's approved invoices, on the buyer's credit — not its own?
How can an SME share its own bank data so the tools it already uses can act on it: pre-approved offers, reconciliation, receivables, payables, real cash-flow visibility?
How can a non-bank platform embed accounts, cards, and lending into its own product without holding a license or building the rails itself?
How can we underwrite an SME on its full-cycle revenue, not collateral or a single quarter?
How can we score an SME with no credit history on the data it already generates: POS, sales, cleared invoices?
How can we make small, short-tenor SME loans profitable to originate and disburse end-to-end, with no manual review?
How can an SME discover, compare, onboard once, and manage all its financial products through one interface — instead of one provider relationship and KYB process at a time?
How can institutions and fintechs find, vet, and integrate each other without starting from zero? (Institution-facing: the customer is SNB, not an SME.)
Dedicated funding for product development and compliance, via a founder-friendly, 5%-capped SAFE note.
Cohort-based workshops: business strategy, deep-tech product development, GTM, and investor pitching.
1-on-1 coaching with DTV subject-matter experts and SNB enterprise executives.
Direct access to SNB's architecture, APIs, and sandbox environments to validate and deploy.
Visa assistance, subsidized flights, and arranged housing for up to two co-founders during physical sprints.
Six months of subsidized co-working space at the Eastern Province's premier deep-tech hub.
A curated community of deep-tech founders, regulators, and regional VCs.
Structured guidance through your MISA Entrepreneurship License and Saudi Commercial Registration.
Support is an investment, not a grant — secured via a founder-friendly Engagement Letter, with equity participation capped at 5%.
Tell us which of the eleven problems you're built to solve.