1. Intelaka 2026: eligibility conditions
- Moroccan or MRE nationality
- 18 or over, no upper age limit
- The promoter has no business loan outstanding
- Project located in Morocco, in an authorized sector
- Personal contribution of at least 10% of total cost
- Turnover of 10 million MAD or less (VSE)
- No payment incident in the last 36 months
2. The three Intelaka products
| Product | Cap | Rate | Duration | Tamwilcom guarantee |
|---|---|---|---|---|
| Intelaka Tamwil rural | 1,200,000 MAD | 1.75% | 7 years | 80% |
| Intelaka Tamwil urban | 1,200,000 MAD | 2% | 7 years | 80% |
| Intelaka Investment | 300,000 MAD | 1.75% | 5 years | 80% |
| Damane Intelak (guarantee only) | — | — | — | 80% |
Source: Wafir.ma — June 12, 2026
3. Participating banks in 2026
- Attijariwafa Bank: 1,200 branches, 100% digital application
- Banque Populaire: leading bank in rural areas, with 35% of 2024 files
- BMCE Bank of Africa: dedicated 'BMCE Entrepreneurs' program
- CIH Bank: mainly targets young graduates
- Bank Al Yousr and Bank Assafa: Mourabaha Intelaka
4. Intelaka application: the 8 documents you need
- Detailed business plan (10-15 pages, with a 5-year financial plan)
- Promoter's national ID card and CV
- Residence certificate
- Company statutes, RC, tax ID (IF) and ICE
- Supplier quotes for the equipment to be financed
- Commercial lease or property deed
- Proof of personal contribution (6-month bank statement)
- Tamwilcom certificate of no payment incidents
5. Other Tamwilcom schemes in 2026
| Scheme | Target | Cap | Guarantee |
|---|---|---|---|
| Damane Express | VSE < 1M | 1,000,000 MAD | 70% |
| Damane Crea | New business creation | 10,000,000 MAD | 60% |
| Damane Dev | VSE expansion | 20,000,000 MAD | 60% |
| Tatwir Startup | Innovative startups | 5,000,000 MAD | 70% |
| Forsa | Auto-entrepreneurs | 100,000 MAD | 25% subsidy |
Source: Wafir.ma — June 12, 2026
6. Intelaka for MREs, women and young people
- MREs: contribution can be made in foreign currency
- Women: rate subsidized by a further 0.25 points, support from INDH-AFAQ
- Under-35s: priority processing, mandatory training before financing
- Veterans and people with disabilities: 90% guarantee instead of 80%
Since 2022, Intelaka has been open to MREs who want to start a business in Morocco (Forsa MRE). Women entrepreneurs receive extra support through INDH-AFAQ.
7. FAQ
Q.What is the Intelaka program?
A royal support program launched in 2020 that finances VSEs, auto-entrepreneurs, young people and MREs with loans of up to 1.2 MMAD at a subsidized rate of 1.75-2%, 80% guaranteed by Tamwilcom.
Q.Who can benefit from Intelaka in 2026?
Moroccan or MRE promoters aged 18 or over with no business loan outstanding, a project in Morocco, turnover under 10 MMAD, a 10% personal contribution and an authorized sector.
Q.What is the Intelaka 2026 rate?
For Intelaka Tamwil, 2% in urban areas and 1.75% in rural areas. Intelaka Investment is at 1.75%. 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 and Bank Assafa.
Q.How much personal contribution does Intelaka require?
At least 10% of the total project cost, in cash, in kind or both. MREs can contribute from foreign currency savings.
Q.How long does it take to process an Intelaka application?
30-60 days on average between submitting the complete file and final approval. Support from a CRI or Maroc PME shortens this by 40%.
Q.Can an MRE benefit from Intelaka?
Yes, since 2022, through Forsa MRE. The project must be in Morocco, the contribution can be made in foreign currency, and Bank Al-Maghrib MRE provides support.
Q.What are the other Tamwilcom schemes?
Damane Express (1 MMAD, 70% guaranteed), Damane Crea (creation, 10 MMAD, 60%), Damane Dev (expansion, 20 MMAD, 60%), Tatwir Startup (innovation, 5 MMAD, 70%) and Forsa (100k, 25% subsidy).
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