Our Story

Established by Dahir on 4 July 1949, the Caisse Centrale de Garantie (CCG) was created with a clear mandate: to serve as a public catalyst for investment by facilitating the financing of strategic projects through public guarantee mechanisms. This first milestone marked the beginning of an ambitious and enduring journey.

A decisive reform established CCG as a key public instrument for socio-economic development. The institution subsequently refocused its actions to strengthen its role in expanding access to finance and supporting the growth of small and medium-sized enterprises (SMEs) and very small enterprises (VSEs).

CCG broadened its scope of action to address individuals' needs, launching guarantee schemes to facilitate access to homeownership. This milestone reflects a clear commitment to expanding financial and social inclusion for citizens.

The overhaul of the National Guarantee System directly addressed the growing needs of VSMEs, opening new opportunities for entrepreneurship in Morocco. This turning point reaffirmed CCG’s commitment to supporting the local economy.

The establishment of CCG’s first regional business centres marked a strategic shift toward greater proximity with banking partners and businesses. This initiative helped improve service quality, accelerate application processing, and strengthen the institution’s regional presence.

The launch of the Innov Invest Fund, dedicated to financing startups and innovative project leaders, supporting them from the early idea stage through to growth.

The year 2020 was marked by several major milestones:

- Launch of the sovereign INTELAKA Programme.

- Introduction of exceptional guarantee mechanisms in response to the COVID-19 crisis.

- Launch of the participative window “DAAMA TAMWIL”.

- Enactment of Law No. 36-20, transforming CCG into a joint-stock company under the legal name “National Company for Guarantee and Enterprise Financing”.

The adoption of the name Tamwilcom marked a new institutional momentum, reaffirming the institution’s role as the national reference for guarantee schemes and access to finance. This new identity reflects a strengthened commitment to both financial partners and beneficiaries.

- Adoption of the 2023–2026 Development Plan, with the ambition of strengthening Tamwilcom’s impact and addressing emerging economic and social challenges. The plan reflects a strategic focus on innovation, proximity and enhanced support for project promoters.

- Expansion of Tamwilcom’s scope of intervention through the integration of the management of the assets, liabilities and off-balance-sheet commitments of five funds previously managed on behalf of the State. This development illustrates the institution’s growing and central role within the public financing ecosystem.