Damane Intelak
To start up: up to MAD 1.2M, 80% guaranteed, at 2% excl. VAT in cities (1.75% in rural areas). No guarantee fee, for businesses under 5 years old.
02 · Business Planning
Tamwilcom financing support
We prepare your file for the financing programmes guaranteed by Tamwilcom.
- A first conversation to assess your eligibility
- A file prepared with you, not instead of you
- A clear quote before any commitment
Understanding Tamwilcom
A public mechanism that makes financing easier
Tamwilcom is a Moroccan public institution. It doesn't lend money itself: it guarantees part of the loan granted by your bank, which lowers the bank's risk and makes approval easier.
- 1
You present your project
to your bank, with a solid file.
- 2
Tamwilcom guarantees part of the loan
which lowers the risk taken by your bank.
- 3
Your bank decides, not Tamwilcom
the guarantee makes approval easier, it doesn't make it automatic.
Damane Express
For TPE/SME cash flow: loans up to MAD 1M, guaranteed at 70% (80% for women-led businesses). Response within 48h.
Damane Istitmar & Atassyir
Above MAD 1M: investment guaranteed at 60–70%, cash-flow loans guaranteed around 60%.
Start-TPE
A 0%, unsecured loan up to MAD 50,000, to top up a loan already granted under Intelaka.
The application is filed with your bank, not with Tamwilcom: the guarantee lowers its risk, it doesn't replace its decision.
Indicative rates and guarantee levels, to confirm with your bank: they depend on your file and may evolve under the Jossour 2030 plan.
Other schemes exist depending on your profile or sector (rural areas, green transition, women entrepreneurs, diaspora…): we guide you to the one that fits your project.
Sources: tamwilcom.ma and partner banks' notices (BMCI, Banque Populaire, Crédit du Maroc…).
The problem
The programmes exist. It's usually the file that holds things up.
Tamwilcom guarantees part of the loans granted by banks. You still need to pick the right programme and present a costed project.
This is you if…
- You don't know which programme fits you
- Your bank is asking for a business plan
- Your forecast isn't ready
- A first application was turned down
Our solution
The right programme, a costed file, a clear application.
- The programme that fits your project
- A complete, consistent file
- A better-prepared application
What's included
What the engagement covers
Eligibility
The programme that fits your profile and project.
Business plan
Your project, your market, your strategy.
Forecast
Investment, cash flow and repayment capacity.
Bank file
The documents and presentation the bank expects.
Deliverables
What we hand over
Business plan
Written and ready to present.
Excel financial model
Forecasts and repayments.
Complete file
Checked list of documents.
Meeting preparation
The questions the bank will ask.
Process
The steps of the engagement
- 1
Assessment
Your project, your needs, your eligibility.
- 2
Structuring
Business plan and forecast.
- 3
File
Documents and presentation for the bank.
- 4
Follow-up
Answers to the bank's questions.
Pricing
A clear quote, before we start
Free quote
The first conversation and the quote are free, with no obligation. The price depends on the scope and complexity of your file. Clients outside Morocco: quotes in EUR or USD on request.
- Deliverable
- Complete financing file
- Indicative timeline
- 1 to 3 weeks
- Pricing
- On quote
What is Tamwilcom?
A Moroccan public institution that guarantees part of the loans banks grant to companies and project founders.
Which programmes?
Depending on your profile: Damane Intelak, Damane Express, Start-TPE, or the solutions for SMEs, startups and the diaspora.
Does Growcap secure the financing?
No. The decision belongs to the bank and Tamwilcom. We prepare a solid file.
Are you a Tamwilcom partner?
No. Growcap is an independent advisory firm.
Aiming for a loan guaranteed by Tamwilcom?
Tell us about your situation: we will propose the right approach and a clear quote.