Riyadh SaaS founder
U.S. LLC billing Stripe; opex from Saudi Arabia.
What you do: Form 5472 required. guided wizard at /filer.
مرحبا — للمؤسسين السعوديين
دليل الامتثال لـ Form 5472 لشركة LLC الخاصة بك في الولايات المتحدة
Form 5472 compliance for Saudi founders of U.S. LLCs
Saudi tech and SaaS founders increasingly choose U.S. LLCs for Stripe access and cleaner global B2B contracting. Here's the Form 5472 + pro forma 1120 walkthrough.
You file. We never touch your IRS submission. Read in العربية →
Why founders in Saudi Arabia form U.S. LLCs
- Stripe and U.S. payment-processor access.
- Cleaner B2B contracting with U.S. enterprises.
- USD-denominated banking access.
- Path to global SaaS distribution channels.
U.S.-Saudi Arabia tax treaty essentials
There is NO U.S.-Saudi Arabia income tax treaty as of 2026. Standard U.S. statutory withholding rates apply on U.S.-source FDAP income (typically 30%). Plan distribution structure accordingly.
| Payment type | Withholding | Note |
|---|---|---|
| Dividends to Saudi resident | 30% | No treaty reduction. |
| Interest to Saudi-resident lender | 30% | No treaty reduction. |
| Royalties | 30% | No treaty reduction. |
| Fees for services (non-ETBUS) | 0% | Foreign-source services entirely outside the U.S. are not U.S.-taxed. |
Withholding-rate planning is separate from Form 5472. Form 5472 is an information return on the LLC; withholding is on payments from U.S. payors. Both can apply.
Your FTIN: ZATCA TIN (Tax Identification Number)
10-15 digit number issued by Saudi Zakat, Tax and Customs Authority.
For Form 5472 line 1c, your ZATCA TIN is the FTIN.
Banking realities for Saudi Arabia founders
Saudi founders generally get Mercury or Wise approval. Mercury is selective in 2025-26 but feasible for SaaS founders with revenue.
- MercurySelective
Approves Saudi SaaS founders with clear ICP. Requires U.S. address (no registered-agent addresses).
- Wise BusinessGenerally approves
Most reliable for Saudi founders. EMI, not a bank.
- RelaySelective
Possible with revenue traction.
- BrexGenerally declines
Requires prior U.S. funding.
We do not have a paid partnership with any U.S. business banking provider listed here; status reflects approval patterns reported by founders we've interacted with, current as of May 2026. Verify before relying.
Common scenarios
Saudi B2B consulting / agency
Billing U.S./EU enterprise clients through U.S. LLC.
What you do: Form 5472 required.
Saudi ecommerce / digital products
Selling to U.S. customers from U.S. LLC.
What you do: Form 5472 + state sales tax nexus.
Common pitfalls
- No treaty = 30% statutory withholding on U.S.-source FDAP.
- ZATCA reporting + Saudi corporate income tax on profits attributed to KSA-resident activity — separate from U.S. obligations.
- OBBBA 2026 1% remittance tax may apply on LLC-to-personal transfers back to KSA.
- Saudi-resident shareholders are exempt from Saudi income tax on dividends, but ZATCA still expects related disclosures.
What this page is NOT
- Saudi taxes (corporate income, Zakat, VAT) and ZATCA compliance.
- Personalized analysis of your specific structure.
Ready to file from Saudi Arabia?
The Form 5472 wizard takes about 15 minutes. You sign and submit yourself.