Contenu Our solutions Financing solutions for every need At TAMWILCOM, we offer a comprehensive range of financing solutions designed to support every stage of your entrepreneurial journey. Very Small Enterprises A solid starting point for your first business ventures TAMWILCOM supports very small businesses through streamlined guarantee and financing solutions designed to make access to funding easier.DAMANE EXPRESS: credit guarantee scheme for short-term working capital loans.DAMANE INTELAK: a guarantee scheme covering investment and operating loans for Intelaka project holders.INTELAK & INTELAK AL MOUSTATMIR AL QARAWI: programmes supporting young businesses and entrepreneurial projects in rural areas. Small and Medium-Sized Enterprises Supporting growth and strengthening competitiveness Small and medium-sized enterprises have access to a range of financing solutions designed to expand their investment capacity and enhance their competitiveness.DAMANE ISTITMAR: credit guarantee scheme for investment and business transfer loans.DAMANE TASSYIR: guarantee scheme covering working capital loans.DAMANE TASSDIR: guarantee for bonds and guarantees related to export contracts. Moroccans Living Abroad Connecting Moroccans worldwide with investment opportunities at home TAMWILCOM supports Moroccans living abroad who wish to develop economic projects in Morocco. By improving access to financing and encouraging productive investment, the institution helps channel the diaspora's energy and resources into the country’s economic development.MDM INVEST: a co-financing programme designed to support the creation and growth of projects led by Moroccans living abroad.MDM TAMWIL: a guarantee scheme that helps Moroccans living abroad obtain credit by securing loans granted by partner financial institutions. Women’s Entrepreneurship Empowering women’s leadership in the economy To advance women’s economic empowerment, Tamwilcom offers dedicated financing solutions designed to support women entrepreneurs and help their businesses grow.ILAYKI INVEST: a co-financing programme supporting projects led by women entrepreneurs.DAMANE EXPRESS ILAYKI: an enhanced credit guarantee scheme for women-led businesses, providing coverage of up to 80%. Green Business Power your sustainable projects ! In line with sustainable development priorities, TAMWILCOM supports green initiatives.GREEN INVEST: a financing programme supporting projects related to the energy transition and the circular economy. HOME LOANS Making homeownership more accessible TAMWILCOM helps households access homeownership through several flagship guarantee schemes designed to support different population segments.FOGARIM: a guarantee scheme supporting home purchases for households with modest or irregular incomes.FOGALOGE: a guarantee scheme designed for middle-income households and Moroccans living abroad.ADL SAKANE: an interest subsidy programme on housing loans for magistrates and employees of the justice sector. STUDENT LOANS Invest in your education ... invest in your future ! To support access to higher education, Tamwilcom offers a dedicated solution:ENSEIGNEMENT PLUS: a guarantee scheme for student loans covering tuition fees at accredited private higher education institutions. Startups Supporting innovative entrepreneurs from idea to international growth To strengthen Morocco’s innovation-driven entrepreneurial ecosystem, TAMWILCOM offers two complementary initiatives:INNOV INVEST FUND (FII): The Innov Invest Fund (FII) supports Moroccan startups through financing mechanisms tailored to the different stages of innovation - from the initial idea to market entry - working in partnership with specialised support organisations.STARTUP “VENTURE BUILDING” PROGRAMME: a structured support pathway led by the Ministry of Digital Transition and Administrative Reform (MTNRA) as part of the national Digital Morocco 2030 strategy. The programme assists Moroccan startups throughout their development cycle - from incubation to Series A fundraising preparation - through a continuous mix of technical support and financial backing designed to sustainably strengthen the national innovation ecosystem. PARTICIPATIVE FINANCE Finance built on shared value TAMWILCOM provides guaranteed solutions tailored to participative finance, supporting both individuals and entrepreneurs in bringing their projects to life.Through Tamwil Chamal and Damane Dayn, the institution helps facilitate access to participative financing that complies with Sharia principles, while backing projects that generate real value for the productive economy.
