Tamwilcom SME credit Morocco 2026: Damane Tamwin State guarantee

1. Tamwilcom: 80% State guarantee on SME credit

Tamwilcom is the Moroccan public institution born from the 2020 restructuring of the Caisse Centrale de Garantie (CCG). Its mission: facilitate SME and VSE access to financing by covering up to 80% of the risk borne by commercial banks.

Concretely, you apply for a loan at your bank (Attijariwafa, BMCE, BCP, etc.) which finances 100% of the amount. Tamwilcom guarantees 80%: if you default, the bank recovers 80% of the outstanding principal from the State. Result: the bank accepts your file more easily, requires fewer personal guarantees and offers a more competitive rate.

2. 4 Tamwilcom products by profile

Tamwilcom offers 4 guarantee schemes adapted to the company's stage and sector. Choose according to your profile and the amount sought.

3. Damane Tamwin: flagship SME product

• Productive investment loan: equipment purchase, premises extension, modernization
• Operating loan: working capital needs, cash flow
• Guarantee coverage: 80% of outstanding principal
• Duration: 7 years investment, 1 year renewable for operating
• Tamwilcom commission: 0.5% to 2% of guaranteed amount depending on file

Damane Tamwin is Tamwilcom's central scheme for Moroccan SMEs with turnover below 175M MAD and fewer than 200 employees. It guarantees investment and operating loans up to 5M MAD.

4. Damane Express: fast VSE solution

• Ceiling: 1M MAD guaranteed at 80%
• Target: VSEs under 10 employees, turnover < 10M MAD
• Simplified procedure: decision in 15-30 days
• No full business plan required, 2-year accounts sufficient
• Compatible with microcredit and young entrepreneur loans

Damane Express targets very small enterprises (VSEs) with a 1M MAD ceiling and simplified procedure. Ideal for craftsmen, traders, liberal professions and self-employed entrepreneurs in the structuring phase.

5. Innov Invest: startup innovation financing

• Ceiling: 5M MAD guaranteed (equity or debt)
• Target: startups under 5 years, tech/innovation/R&D sector
• Possible combination: credit guarantee + equity
• Support: mentorship via partner incubators (UM6P, Technopark)
• Key criterion: high innovation content project validated by technical committee

Innov Invest is the Tamwilcom scheme dedicated to high-potential innovative Moroccan startups. It combines credit guarantee and equity participation via partner investment funds (CDG Invest, Maroc Numeric Fund).

6. Damane Istirad: import credit guarantee

• Guarantee coverage: 70% of import risk
• Covers CREDOC, guarantees, standby letters of credit
• Target: importers of productive capital goods
• Guarantee duration: up to 24 months depending on operation
• Exclusions: final consumer goods, luxury products

Damane Istirad is the scheme specific to Moroccan importers. It guarantees documentary credits (CREDOC), bank guarantees and buyer credits to secure import operations for capital goods and raw materials.

7. Tamwilcom Online procedure 2026

• Step 1: Create company account on tamwilcom.ma with ICE
• Step 2: Upload business plan, 3-year financials, forecasts
• Step 3: Choose product (Damane Tamwin/Express/Innov/Istirad)
• Step 4: Partner bank receives file and issues credit opinion
• Step 5: Tamwilcom committee decides within 30-60 days
• Step 6: Electronic guarantee approval, banking agreement signature

Since 2025, Tamwilcom has digitalized the entire journey via the Tamwilcom Online platform. You submit your guarantee request directly online, follow the processing and receive electronic approval. Here are the steps.

8. Cross-sell: mandatory professional multi-risk insurance

• Multi-risk pro: fire, theft, water damage on financed premises and equipment
• Professional Liability: damage caused to third parties in business context
• Business interruption: compensation in case of forced shutdown
• Cyber risk (recommended): protection against ransomware and fraud
• Average cost: 0.3% to 0.8% of annual turnover

Any SME benefiting from a Tamwilcom guarantee must subscribe to professional multi-risk insurance covering financed assets and a Professional Liability policy. These coverages protect both your activity and the public guarantee in case of claim.