Finance and support your Moroccan business
40,000 micro-enterprises financed by Intelaka, 46,000 SMEs guaranteed by Tamwilcom, 5,000 aided each year by Maroc PME. The 2026 guide to public schemes for Moroccan entrepreneurs.
The public SME ecosystem in figures
40,000+
Intelaka-financed micro-enterprises since 2020
12.4 bn
MAD guaranteed by Tamwilcom (2025)
5,000
SMEs aided/year by Maroc PME
1.75%
Rural Intelaka rate
Programs and schemes
Each program addresses a specific situation: creation, investment, strategic support, or export. Our 2026 guide helps you choose.
2026 Intelaka program: complete guide to micro-enterprise financing in Morocco
Launched in 2020 by King Mohammed VI, Intelaka has financed 40,000+ micro-enterprises. 1.75-2% rate, Tamwilcom public guarantee, 2026 guide.
Read guide2026 Tamwilcom (ex-CCG): public SME guarantees in Morocco
Tamwilcom (ex-CCG) guarantees over 12 billion MAD in SME credits per year. 15+ guarantee products, 3 subsidiaries (venture capital). 2026 guide.
Read guide2026 Maroc PME Forsa: grants, support, and Istitmar/Moussanada programs
Maroc PME distributes non-repayable grants to 5,000+ businesses/year via 4 programs: Forsa, Istitmar, Moussanada, Imtiaz. 2026 guide.
Read guide2026 Morocco professional leasing: complete lease financing and corporate LLD guide
Professional leasing in Morocco finances 18 billion MAD investments per year. Movable, real estate, fleets, industrial equipment. 2026 guide.
Read guide2026 Morocco factoring: complete BFR financing guide
Factoring in Morocco finances 12 billion MAD receivables per year. Fast cashing, customer risk protection, BFR reduction. 2026 guide.
Read guide2026 Morocco construction credit: financing for construction companies and real estate developers
Construction represents 18% of SME credits in Morocco. Developer, buyer, market sureties, equipment financing. 2026 guide.
Read guide2026 Morocco AMDL: Moroccan Logistics Development Agency and financing
AMDL supports the logistics sector via dedicated zones and grants. 9 operational logistics zones, 6 bn MAD invested. 2026 guide.
Read guideWhy a wafir.ma guide?
Up-to-date info
2026 rates, caps, conditions verified with Intelaka, Tamwilcom, Maroc PME, and the Ministry of Industry.
Explained procedures
Every step described with document list, deadlines, and banking red flags.
Scheme combination
We explain how to combine Intelaka + Tamwilcom + Maroc PME without exceeding caps.
Partner bank contacts
12 Intelaka partner banks + 15 Tamwilcom partners identified and compared.
Want to finance your project?
Get a pre-eligibility diagnosis and connection with our advisors or partner banks. 100% free service.