Who are the eligible beneficiaries?

Any company incorporated under Moroccan law that meets at least one of the following three eligibility criteria:

• Women-owned or women-led businesses: Companies whose share capital is majority-owned by one or more women, or whose management (General Management, Managing Director, or Chairperson of the Management Board) is held by a woman.
• Investments by Moroccans Living Abroad (MLAs): Companies whose share capital is majority-owned by one or more Moroccan investors residing abroad.
• Green enterprises and projects: Financing of tangible and intangible assets, technical equipment and facilities, and buildings.

What are the terms and conditions of the joint financing facility?

• TAMWILCOM's interest rate: Fixed at 2% per annum, excluding VAT.
• Bank financing interest rate: Freely negotiable between the partner financial institution and the project owner.
• Financing tenor: To be mutually agreed upon between the partner financial institution and the project owner.
• Collateral and security: Collateral benefits both TAMWILCOM and the bank, in proportion to their respective financing shares.

What are the project financing arrangements?

Investment programmes will be financed according to the following structure:

• TAMWILCOM's contribution: Up to MAD 15 million, without exceeding the bank's contribution.
• Equity and/or self-financing: Amount to be agreed upon between the bank and the project owner.
• Bank's contribution: Financing of the remaining balance of the project's total financing plan.

Which sectors are eligible?

All business sectors are eligible, with the exception of real estate development and deep-sea fishing.

Who is eligible and which sectors are covered?

Damane Express Ilayki is open to enterprises incorporated under Moroccan law that are majority-owned or promoted by one or more women and whose activities involve the production of goods or services. 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 Express Ilayki covers bank loans, leasing facilities up to MAD 1 million, and honour loans up to MAD 300,000, granted to businesses that are majority-owned or promoted by women. 

The guarantee remains valid for 18 months for short-term loans, with a commission of 0.5% excluding tax for short-term facilities and a flat rate of 1.5% excluding tax for medium and long-term loans, leasing facilities, and honour loans, with a minimum of MAD 200 excluding tax.

What is the risk ceiling?

The risk ceiling is capped at MAD 2 million per enterprise and per lending institution.

How long does it take and how do I apply?

Damane Express Ilayki guarantees applications are processed within 48 hours through a secure electronic data exchange. Applications are submitted through a bank, leasing company, or accredited association, which is responsible for forwarding the file to TAMWILCOM.

Who is eligible and which sectors are covered?

Damane Atassyir is open to enterprises incorporated under Moroccan law whose activity involves the production of goods or services. 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 Atassyir covers operating bank loans exceeding MAD 1 million. The guarantee remains valid for 18 months in the event of non-renewal, with a commission of 0.5% per transaction, excluding tax, payable upon issuance and upon each renewal.

What is the risk ceiling?

The risk ceiling is capped at MAD 15 million per transaction and MAD 30 million per enterprise, rising to MAD 40 million where applicable conditions are met.

How long does it take and how do I apply?

Damane Atassyir guarantees that applications will be reviewed by TAMWILCOM within a maximum of 10 business days from receipt of a complete file. Applications are submitted exclusively through the bank, which is responsible for compiling and forwarding the file to TAMWILCOM.

Who is eligible and which sectors are covered?

Damane Istitmar is open to enterprises incorporated under Moroccan law, as well as to individual buyers in the context of business transfer operations, whose activities involve the production of goods or services. 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 Istitmar covers medium and long-term investment bank loans and leasing facilities. The guarantee runs for the full duration of the loan, with a flat commission of 2% excluding tax, calculated on the loan amount.

What is the risk ceiling?

The risk ceiling is capped at MAD 15 million per transaction and MAD 30 million per enterprise, rising to MAD 20 million and MAD 40 million, respectively, where applicable conditions are met. A specific ceiling of MAD 10 million applies to financial restructuring operations.

How long does it take and how do I apply?

Damane Istitmar guarantees that applications will be reviewed by TAMWILCOM within a maximum of 10 business days from receipt of a complete file. Applications are submitted exclusively through the bank or leasing company, which is responsible for compiling the file and forwarding it to TAMWILCOM.