Damane Intelak Al Moustatmir Al Qarawi is a guaranteed solution that covers a share of the lending risk on loans granted to eligible businesses operating in rural areas. It applies to both investment and operating loans. Guarantee coverage stands at 80% of the loan principal, up to a ceiling of MAD 1.2 million.
Who is eligible and which sectors are covered?
Damane Intelak Al Moustatmir Al Qarawi is open to enterprises incorporated under Moroccan law, whether natural or legal persons, whose activity involves the production of goods or services in rural areas, and that meet the following conditions:
All sectors qualify, with the sole exception of real estate promotion and deep-sea fishing.
What financing is covered, how long does the guarantee last, and what does it cost?
Damane Intelak Al Moustatmir Al Qarawi covers short, medium, and long-term bank loans up to MAD 1.2 million. For operating loans, the guarantee remains valid for 18 months in the event of non-renewal. The guarantee is granted free of charge, with no commission applied.
What is the risk ceiling?
The risk ceiling is capped at MAD 1.2 million per enterprise, across all outstanding facilities combined.
How long does it take and how do I apply?
Applications are processed directly by partner financial institutions through an electronic data exchange, in accordance with the terms agreed with each establishment. Guarantee requests are submitted through the partner financial institution of your choice, which is responsible for compiling and forwarding the file.
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