A co-financing facility established in partnership with local banks to support and promote the financing of investment projects led by women entrepreneurs, Moroccans living abroad, and green enterprises and projects.
Who are the eligible beneficiaries?
Any company incorporated under Moroccan law that meets at least one of the following three eligibility criteria:
What are the terms and conditions of the joint financing facility?
What are the project financing arrangements?
Investment programmes will be financed according to the following structure:
Which sectors are eligible?
All business sectors are eligible, with the exception of real estate development and deep-sea fishing.
Download the product sheet
Damane Express Ilayki is a guaranteed solution dedicated to businesses majority-owned or promoted by women, covering bank loans, leasing facilities up to MAD 1 million, and honour loans up to MAD 300,000, with guarantee coverage of up to 80%.
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.
Damane Express guarantees a portion of bank lending risk, giving businesses the breathing room they need to protect their cash flow and maintain continuity. The solution covers short, medium, and long-term bank loans, leasing facilities up to MAD 1 million, and honour loans up to MAD 300,000. Guarantee coverage stands at 70% of the loan principal, rising to 80% for women-owned or women-managed businesses.
Damane Express is open to any enterprise 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.
Damane Express covers short, medium, and long-term bank loans, leasing facilities up to MAD 1 million, and honour loans up to MAD 300,000. For short-term loans, the guarantee remains valid for 18 months from the date of issue if not renewed.
The commission is set at 0.5% excluding tax on issuance and renewal for short-term loans of 12 months or less, and at 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 per transaction.
Damane Express guarantees applications are processed within 48 hours through a secure electronic data exchange. Applications are submitted through the borrower's bank, leasing company, or an accredited association, which is responsible for compiling the file and forwarding it to TAMWILCOM.
