Sharing the risk. Strengthening the investment.
Through our co-financing mechanisms, TAMWILCOM steps in alongside banks to back investment projects, fuel growth, and widen the circle of inclusion. These solutions unlock access to larger, better-suited financing for businesses, while spreading the risk across financial institutions.
CO-FINANCING THE SHIFT TO A GREENER ECONOMY
A co-financing solution designed to support investment projects with a positive environmental impact, accelerating the transition to a more sustainable economy.
Eligible beneficiaries: Enterprises incorporated under Moroccan law operating in productive sectors.
Key advantage: Financing on favourable terms to back green investment projects.
ENCOURAGER L’ENTREPRENEURIAT FÉMININ
Une solution de cofinancement dédiée à la promotion de l’entrepreneuriat féminin, en soutenant les projets d’investissement portés ou dirigés par des femmes.
Bénéficiaires : entreprises de droit marocain à participation ou à gouvernance majoritairement féminine.
Atout : un appui financier ciblé pour renforcer l’inclusion économique des femmes.
REWARDING DIASPORA INVESTMENT WITH A NON-REPAYABLE CONTRIBUTION
A non-repayable contribution designed to incentivise productive investment in Morocco by Moroccans residing abroad.
Eligible beneficiaries: Moroccans residing abroad or those who have permanently returned to Morocco, with investment projects in Morocco.
Key advantage: A direct contribution to the investment that reduces the need for bank financing.
CO-FINANCING THE PROJECTS THAT BRING THE DIASPORA'S AMBITIONS HOME
A co-financing solution delivered alongside banks, designed to support investment projects promoted in Morocco by Moroccans residing abroad.
Key advantage: Shared financing with banks on favourable terms tailored to diaspora investors.
STRENGTHENING SMES' CAPACITY TO INVEST
A structured co-financing solution combining senior bank financing with junior mezzanine financing, designed to fund investment programmes.
Eligible beneficiaries: Enterprises incorporated under Moroccan law in their development phase, with a sound financial structure and meeting the scheme's eligibility criteria.
Key advantage: Enhanced financing capacity for structuring investment projects through an optimised risk-sharing model.
STANDING BEHIND VERY SMALL ENTERPRISES
A financing solution designed to cover the working capital needs of very small enterprises benefiting from the Intelaka programme.
Eligible beneficiaries: VSEs and project holders incorporated under Moroccan law with a guaranteed investment loan under the Intelaka programme.
Key advantage: Complementary cash-flow support at zero interest and with no security required.
