Innov Dev is a financing mechanism in the form of a participatory loan, designed to support Moroccan SMEs in their growth phase that have successfully raised capital, backing their innovative projects and financing their investment, operating, and new product development needs.
What is the purpose of the mechanism?
Innov Dev is a financing mechanism in the form of a participatory loan, designed to support innovative SMEs in their growth phase, meeting their investment and/or operating needs.
Who is eligible and which sectors are covered?
Innov Dev is aimed at SMEs incorporated under Moroccan law that have successfully raised capital from external investors - such as private equity funds, angel investors, and others - and are carrying an innovative project.
What projects qualify and how does the financing work?
Eligible expenses are those directly linked to the development of the innovative project, including production facilities, marketing and commercialisation, new market prospection, product development, and working capital needs. Financing takes the form of a participatory loan capped at MAD 3 million, with external investor contributions not exceeding 50%.
What are the financial terms and how do I apply?
The Innov Dev participatory loan is granted over a maximum term of eight years, including two years of deferral, at an interest rate of 2% per annum, excluding tax. Applications are submitted exclusively through partner fund management companies, which are responsible for receiving and processing files.
Innov Risk is a financing mechanism in the form of a repayable advance, designed to support startups and young innovative enterprises that have successfully raised capital, backing projects with high technological or commercial risk and covering their working capital, investment, and go-to-market needs.
Innov Risk is a financing mechanism in the form of a repayable advance, designed to back innovative projects with a high degree of technological or commercial risk, built on a shared-risk model between stakeholders.
Innov Risk is aimed at innovative enterprises with projects at an advanced stage of maturity or facing significant uncertainties, particularly where these projects prove difficult to finance through conventional banking channels.
Eligible expenses are those directly linked to the development of the innovative project, including ideation and testing, production facilities, marketing, commercialisation, and working capital needs. Financing takes the form of a repayable advance capped at 50% of external investor contributions, up to a maximum of MAD 2 million.
Innov Risk is granted as a repayable advance, with a one-year deferral period starting from the completion and commercial operation of the project, followed by repayment spread over five years. Applications are submitted exclusively through TAMWILCOM's partner fund management companies, which are responsible for receiving and processing files.
Tech Boost is a financing instrument aimed at startups that have moved beyond the MVP stage, designed to support the finalisation, refinement, and market launch of their innovative solutions on the path to Product-Market Fit, through an interest-free honor loan.
What is the purpose of the financing?
Tech Boost is a financing instrument in the form of an honor loan, designed to support technology startups in finalising, refining, and bringing their innovative solutions to market on the path to achieving Product-Market Fit.
Who is eligible?
Tech Boost is aimed at startups that have moved beyond the MVP stage, whose applications have been validated by a TAMWILCOM-partnered support structure, and whose projects have an innovative, technology-driven purpose.
What expenses are eligible?
Eligible expenses are those directly related to the market deployment of the product and customer acquisition, including strategic services, marketing, staff costs, intellectual property, and equipment.
Tech Boost provides an interest-free, unsecured loan covering up to 80% of the investment programme, capped at MAD 500,000, or up to MAD 750,000 for projects backed by a patent. The remaining 20% is covered by the startup's own contribution. Repayment is spread over a maximum of five years, in accordance with the schedule set when the loan is granted. Applications are processed exclusively through accredited support structures, which are responsible for selecting and mentoring projects.
Tech Start is a financing mechanism designed to support technology startups at the incubation stage, backing the development and maturation of innovative solutions once their Proof of Concept has been validated.
Tech Start is a grant-based financing solution designed to support technology startups that have validated their Proof of Concept through the development phase of their MVP (Minimum Viable Product).
Tech Start is aimed at startups that have moved beyond the POC stage, whose applications have been validated by a TAMWILCOM-partnered support structure, and whose projects have an innovative, technology-driven purpose.
Eligible expenses are those directly related to the development of the innovative project, including technical services, intellectual property, staff costs, hosting, and marketing.
Tech Start provides a non-repayable financial contribution covering up to 80% of the investment programme, capped at MAD 200,000, or up to MAD 400,000 for projects backed by a patent. The remaining 20% is covered by the startup's own contribution. Applications are processed exclusively through accredited support structures, which are responsible for selecting and mentoring projects.
