Damane Atassyir is a guaranteed solution that covers a share of the risk on operating bank loans linked to the business cycle of enterprises incorporated under Moroccan law, for amounts exceeding MAD 1 million. It applies to operating bank loans tied to the business cycle. Guarantee coverage stands at 60% of the loan principal.
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.
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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.
The risk ceiling is capped at MAD 2 million per enterprise and per lending institution.
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.
