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.
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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.
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.
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.
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.
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.
