The best debt collection templates for small businesses and freelancers in Saudi Arabia: how to choose the right source

What you actually need to collect a debt, and the criteria that matter

Successful collection is a path documented one step at a time, and each step has its own document. The usual order, as the guides in this series explain it: a written demand letter that states the debt and the deadline and is delivered in a provable way; then, if the debtor responds without paying at once, an acknowledgment of debt or an installment payment agreement; then an electronic promissory note through Nafith as security for what remains; then an enforcement request through Najiz if payment fails and you hold an execution instrument; then a lawyer when the debtor disputes the debt itself or the amount grows large.

That gives you the criteria that should govern your choice of any source, free or paid:

• Accuracy on the essentials: both parties' identities as in the commercial register or ID, the basis of the debt with the invoice number and date, the amount in figures and words, and a payment deadline with a clear date. Any gap here weakens the document at enforcement.
• Coverage of the whole path, not only the first step: does the source also give you the acknowledgment, the schedule and the settlement, or one letter and then you start searching again?
• Saudi grounding: text that refers to Nafith, Najiz and the enforcement court and uses the correct regulatory terms, not a letter translated from another legal system.
• Language: if your client is a foreign company or a manager who does not read Arabic, an Arabic and English document in one file saves you a later translation and an argument over meaning.
• Who stands behind the text and when it was updated: a named firm or lawyer and an update date, especially since enforcement procedures keep evolving, and the Ministry of Justice published a draft new implementing regulation of the Enforcement Law for public consultation.
• Cost against the size of the debt: it makes no sense to pay a lawyer's fee close to the value of a small invoice, and no sense to rely on a free letter for a large debt where a dispute is likely.

The options you really have, who each suits, and its limits

• Nafith and Najiz: two government platforms supervised by the Ministry of Justice, not template libraries. Nafith lets you create, store and manage the electronic promissory note, which is an execution instrument under the Enforcement Law and goes to the enforcement court without a lawsuit to prove the debt. Najiz is the portal through which the enforcement request is filed, and once it is accepted the debtor is notified and the law gives five days from notification before compulsory enforcement steps. They suit anyone who holds an instrument or can obtain one. Their limits: they do not write the demand letter, the acknowledgment or the schedule agreement for you, and an invoice on its own is usually not an execution instrument.
• Free letters online: good for understanding what a demand letter looks like before you write one, and for a small debt with a cooperative client. Their limits: usually no update date and no known author, and many are in one language only. If you use one, check five things: the Arabic is sound, the amounts are right, the dates are right, there is an explicit demand for payment, and there is a deadline with a date.
• A lawyer: the right option when the debtor disputes the debt, the amount is large, there are several parties, or there is no execution instrument and you need a lawsuit. Shwra, for example, showed on its page on 3 October 2026 a consultation at 149 riyals for 20 minutes including VAT, and its business site lists debt collection among its lawyer services with no published price. You can also engage a law firm on a quote. The limit: cost, which makes little sense for a small, undisputed invoice.
• A law firm's store: Hoquqi, a Saudi law firm, listed in its store on 3 October 2026 a fraud protection and recovery bundle of 20 forms at 350 riyals, and its description says it includes a demand for the return of funds, an acknowledgment of debt and a rescheduling and payment agreement. The files are Word, in Arabic, with later updates free according to its store text, and we found no wording on VAT or refunds. Its limits: the bundle is aimed at financial-fraud cases, and we did not find standalone debt-collection documents in its document registry.
• AI drafting generators: they write you a letter from short questions in minutes, and they include Saudi tools such as Adel, whose pricing page on 3 October 2026 showed a Basic plan at 124 riyals a month, and which is built first for legal professionals. They suit someone who wants many varied drafts. Their limits: the text is generated, not certified under a lawyer's name, and we did not find a claim of human review of Adel's output, so it is on you to check every amount, date and legal reference.
• Sighaty: a certified Saudi template library with a full debt collection pack covering the path from the first letter to the settlement, bilingual and filled through short questions. Its limits are set out in detail in section four: it files nothing in Najiz, it does not chase the debtor, and it does not replace a lawyer in a dispute.

Which option fits which situation: practical rules

• A small invoice and a cooperative client who forgot or is late: one clear demand letter is usually enough. A carefully written free letter, or B-01 on Sighaty's Free plan.
• The client admits the debt but asks for time: an acknowledgment of debt or an installment payment agreement with an acceleration clause on default, plus a promissory note through Nafith as security. Here a set of connected documents beats a single letter.
• You hold a promissory note through Nafith or a judgment and the due date has passed unpaid: go straight to Najiz. You do not need a template for this step; it is an electronic service the creditor files directly in ordinary cases.
• The debtor denies the debt or argues over the amount, or the sum is large, or all you have is invoices and messages: a lawyer. Start with a short consultation to assess the route before spending on anything else.
• A client who fell victim to financial fraud and wants money back: Hoquqi's bundle built for that case is closer to the need than a general collection pack, together with a specialist consultation.
• You collect from many clients regularly and want standard bilingual documents for every stage: Sighaty's Debt Collection Pack or a subscription that includes the library, because the cost spreads across many files.

The most important rule: document early. A creditor who asks for an acknowledgment or a promissory note whenever credit is given reaches Najiz by a much shorter road than one who relied on invoices and promises, whatever the source of their templates.

Where Sighaty fits: what is in the pack, what it costs, and what it will not do

Pack B at Sighaty is dedicated to debt collection. Every template in it is certified under the name of a licensed Saudi lawyer and produces a Word document in Arabic and English after you answer a short smart-fill questionnaire. The legal wording is the certified text, not text written by AI. These are its seven templates:

• B-01 Demand Letter: the first step, and one of the nine documents available on the Free plan.
• B-02 Installment Payment Agreement: the payment schedule, acceleration on default and security.
• B-03 Settlement and Release Agreement: to close the file with a release of defined scope.
• B-04 Acknowledgment of Debt: the debtor's written admission of the amount, its cause and how it will be paid.
• B-05 Nafith Promissory Note Guide: certified steps that lead you to issuing the note on the platform itself.
• B-06 Notice of Breach: when the other side breaches a contractual obligation, before it becomes only an overdue debt.
• B-07 Contract Termination Notice: when you decide to end the contractual relationship after a breach.

• The Free plan: no card, you pick three of nine everyday documents to keep, and the demand letter B-01 is one of them. Smart-fill is not part of the Free plan.
• The Debt Collection Pack: 499 riyals one-time, VAT included, covering B-01 to B-05.
• If you also need the Notice of Breach B-06, the Termination Notice B-07 or documents beyond collection: single-template purchase is available, and the Professional plan at 249 riyals a month opens the whole library of 67 templates with unlimited smart-fill.
• Payment by mada, Visa or Mastercard, and the invoice is a ZATCA tax invoice. Before download the amount is refunded in full, and a defective file is always replaced or refunded.

And what Sighaty will not do, frankly: it does not file an enforcement request in Najiz or create the note in Nafith for you; those are government services you handle yourself. It does not contact or chase the debtor. It does not review a contract someone else sent you. It is not a law firm and does not represent you in a dispute, and it offers no consultation except one 30-minute review with a licensed lawyer per quarter on the Business Plus plan. There is no e-signature. Most important: a good template organises a sound claim and presents it clearly, but it does not make a weak claim strong. If the basis of the debt itself is in doubt, the lawyer comes before any template.

Test any option before you pay

1. Write the debt file on one page: exactly who the debtor is, the basis of the debt, the amount, whether they admit it, and whether you hold any instrument. This tells you which stage you are at.
2. Ask the source for one template for the stage you are at, and start with the free one where it exists; the demand letter, for example, is available free in more than one place.
3. Check the result: does it have both parties' full identities, the amount in figures and words, the basis of the debt, an explicit demand, a deadline with a date, and the next step stated without threats?
4. Ask about updating and accountability: who wrote the text, when it was last updated, and what the refund and VAT terms are.
5. Compare the cost with the size of the debt and the number of files you expect this year, then decide: a single template, a pack, a subscription, or a lawyer.

Common mistakes when choosing collection templates

• Buying a full pack for one small debt with a cooperative client, when one letter would do.
• Stopping at a demand letter and then accepting verbal promises of payment, instead of turning them into a written acknowledgment or a promissory note.
• Looking for a template for the enforcement request, which is an electronic service in Najiz, not a document you write.
• Using a generated or free letter without checking the amounts, dates and names, when an error in the debtor's name or registration number stalls the request later.
• Treating figures or deadlines attributed to the draft enforcement regulation as if they were in force, when they are a proposal that may change before approval.
• Relying on a template for a disputed or large debt instead of consulting a lawyer at the right time.

Facts about other companies were taken from their public pages on 3 October 2026; prices and catalogues change, so check the current page before you decide, and if anything here is out of date or wrong, tell Sighaty support so it is corrected. Sighaty templates are certified drafts and a strong starting point, not a substitute for legal advice on a disputed debt or a special case, and where the Arabic and English diverge the Arabic text prevails.

If you are at the start of the path, begin where every collection begins: a written demand letter delivered in a provable way. Template B-01 is available on the Free plan and in the Debt Collection Pack.

Frequently asked questions