MDM Tamwil is a co-financing product that works alongside Moroccan banks to support business creation or expansion projects promoted in Morocco by Moroccans residing abroad. It covers the co-financing of productive investment projects, whether at the creation or expansion stage.
Who is eligible and what projects qualify?
MDM Tamwil is open to Moroccans residing abroad who hold a valid residence permit, a foreign identity document, or a consular card, as well as to Moroccans who have returned to the country within the past year.
Eligible projects involve the creation or expansion of businesses in Morocco across productive sectors, including industry, industrial services, education, transport and logistics, energy, the green economy, digital, craftsmanship, local products, tourism, and healthcare.
To qualify, investment projects must involve the creation or expansion of a business with a total cost of at least MAD 2.5 million, promoted directly by a Moroccan residing abroad, either individually or in partnership with Moroccan or foreign investors.
What financing is covered and how does it work?
MDM Tamwil operates as a co-financing mechanism alongside a conventional bank loan. The MDM Tamwil share can cover up to 40% of the total project cost - without exceeding the bank's share - for an amount ranging from MAD 1 million to MAD 5 million.
What are the financial terms?
The MDM Tamwil share carries an interest rate of 2.5% excluding tax, over a maximum term of seven years, including up to two years of principal deferral. Security is taken on a pari passu basis between TAMWILCOM and the bank.
How do I apply?
MDM Tamwil co-financing applications are submitted through the project holder's bank.
Download the product sheet
