1. Intelaka 2026: eligibility conditions
- Moroccan or MRE nationality
- Age ≥ 18, no upper limit
- Promoter with no current business loan
- Project located in Morocco, authorized sectors
- Personal contribution: minimum 10% of total cost
- Turnover ≤ 10 million MAD (VSE)
- No payment incident in last 36 months
2. The three Intelaka products
| Product | Cap | Rate | Duration | Tamwilcom guarantee |
|---|---|---|---|---|
| Intelaka Tamwil rural | 1,200,000 MAD | 2% | 7 years | 80% |
| Intelaka Tamwil urban | 1,200,000 MAD | 1.75% | 7 years | 80% |
| Intelaka Investment | 300,000 MAD | 1.75% | 5 years | 80% |
| Damane Intelak (guarantee only) | — | — | — | 80% |
3. 2026 participating banks
- Attijariwafa Bank: 1,200 branches, 100% digital file
- Banque Populaire: rural leader with 35% of 2024 files
- BMCE Bank of Africa: dedicated 'BMCE Entrepreneurs' program
- CIH Bank: focus on young graduates
- Bank Al Yousr / Bank Assafa: Mourabaha Intelaka
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4. Intelaka file: 8 essential documents
- Detailed business plan (10-15 pages, 5-year financial plan)
- Promoter's national ID + CV
- Residence certificate
- Company statutes + RC + Fiscal ID + ICE
- Supplier quotes for financed equipment
- Commercial lease or property deed
- Personal contribution proof (6-month bank statement)
- Tamwilcom non-incident certificate
5. Other Tamwilcom schemes 2026
| Scheme | Target | Cap | Guarantee |
|---|---|---|---|
| Damane Express | VSE < 1M | 1,000,000 MAD | 70% |
| Damane Crea | New creation | 10,000,000 MAD | 60% |
| Damane Dev | VSE extension | 20,000,000 MAD | 60% |
| Tatwir Startup | Innovative startups | 5,000,000 MAD | 70% |
| Forsa | Auto-entrepreneurs | 100,000 MAD | 25% subsidy |
6. Intelaka MRE, women and youth: specific advantages
- MRE: Intelaka accessible with foreign currency contribution
- Women: additional 0.25pp subsidized rate, INDH-AFAQ accompaniment
- Youth < 35: priority, mandatory pre-financing training
- Veterans/disabled: 90% guarantee instead of 80%
Since 2022, Intelaka has been extended to MREs wishing to create a business in Morocco (Forsa MRE). Women entrepreneurs benefit from reinforced support via INDH-AFAQ.
7. FAQ
Q.What is the Intelaka program exactly?
Royal support program launched 2020 to finance VSEs, auto-entrepreneurs, youth and MREs up to 1.2 MMAD at subsidized 1.75-2% rate, 80% guaranteed by Tamwilcom.
Q.Who can benefit from Intelaka in 2026?
Moroccan or MRE promoters ≥ 18, no current business loan, project in Morocco, turnover < 10 MMAD, 10% personal contribution, authorized sectors.
Q.What is the Intelaka 2026 rate?
1.75% urban, 2% rural for Intelaka Tamwil. 1.75% for Intelaka Investment. Damane Intelak guarantees a conventional bank loan.
Q.Which banks distribute Intelaka?
The 8 major Moroccan banks: Attijariwafa, BP, BMCE, CIH, Crédit du Maroc, Société Générale, Bank Al Yousr, Bank Assafa.
Q.What personal contribution for Intelaka?
10% minimum of total project cost. Can be cash, in kind or mixed. For MREs, contribution can come from foreign currency savings.
Q.How long does Intelaka file processing take?
30-60 days on average between complete file submission and final approval. CRI or Maroc PME accompaniment speeds up by 40%.
Q.Can an MRE benefit from Intelaka?
Yes since 2022 via Forsa MRE. Conditions: project in Morocco, foreign currency contribution possible, MRE Bank Al-Maghrib accompaniment.
Q.What are the other Tamwilcom schemes?
Damane Express (1 MMAD guaranteed 70%), Damane Crea (10 MMAD creation 60%), Damane Dev (20 MMAD extension 60%), Tatwir Startup (5 MMAD innovation 70%), Forsa (100k subsidy 25%).
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