2026 Tamwilcom (ex-CCG): public SME guarantees in Morocco

(1) Damane Création: for business creation projects outside Intelaka programs (SMEs being created with investment > 1.2 M MAD). 50-60% bank risk guarantee, 25 M MAD cap. (2) Damane Express: treasury credit for active SMEs (discount, overdraft). 50-60% guarantee, 4 M MAD cap. (3) Damane Investissement: equipment and professional real estate credit. 50-60% guarantee, 25 M MAD cap, up to 15-year term. (4) Damane Export: export commercial receivables coverage (foreign client default, political risk). For exporting SMEs with > 10% export turnover. (5) Damane Intelak (Intelaka program): detailed in the Intelaka guide. Each product is accessible exclusively via a partner bank (no direct Tamwilcom counter for businesses).

Step 1: identify the Tamwilcom product matching your need (creation, treasury, investment, export). Step 2: choose a Tamwilcom partner bank (12 major Moroccan banks + participatory banks + some financing companies). Step 3: assemble the classic bank credit file (business plan, balance sheets, forecast accounts, statutes, national ID/tax ID, pro-forma invoices). The bank simultaneously requests the Tamwilcom guarantee. Step 4: the bank processes the file, calculates its risk capacity with Tamwilcom guarantee (reduced scoring thanks to 50-80% coverage). Step 5: after bank approval, Tamwilcom validation (automatic for small files, committee for > 5 M MAD). Step 6: disbursement and annual 0.5-2% guarantee commission billing on remaining capital.