1999 93 SAAB seatbelt is stuck in the retracted position. Is there a solution?

Sorry. only answer is replacement.(no user seviceable parts inside.)
bet that dont get me 4 stars.......

It sounds like the inertia reel has locked under tension and needs some slack in the belt to free it off. or You may have activated the ALR locking feature (used for strapping in child seats). This is usually done by fully extending the belt, it then makes a slight clicking sound as it retracts and does not release and spool out again until it is allowed to fully retract. i think these units range 200-400$usd to replace but all hope is not lost you can still try to get it to go back.

trying a side to side motion at the same time you try to pull it out, also try pulling the buckle up and back instead of down/forward if that doesnt work the next one is a little bit harder and most likely what the dealer would try.
You'll need to fit yourself in the gap between the floor and the upright seats. There is a seatbelt strap that attaches to the floor under the seat which can be unbolted which then releases tension on the belt unit. Make sure you keep hold of the belt, then once tension has gone, get some slack and attach a safety pin to the upper part of the belt to stop it being pulled back into the unit.
if you need further assistance please let me know and i will assist you from there.