Tamwilcom

Supports Tamwilcom by enabling state-backed loan guarantees and co-financing channels for enterprise credit access in Morocco.

Tamwilcom is Morocco's state-owned credit guarantee institution, formerly CCG until its September 2022 rebrand. It is governed by banking law, sits under the Ministry of Economy and Finance, and acts as the country's sole state intervenor for public guarantees on financing rather than as a grant maker.

The institution shares bank risk through 15-plus guarantee products, co-financing, and equity vehicles such as MIPC, MEDI-Invest-Cie, and Innov'Invest. Its national programs include Intelaka, Forsa, Istitmar, and Damane Export; in 2025 it guaranteed 12.4 billion MAD across 46,000 SME beneficiaries, and its products typically cover 50-80% of a loan with commissions of 0.5-2% on remaining capital.

Entrepreneurs access the system through 12 partner banks, not directly with Tamwilcom. Small files can be auto-validated, while guarantees above 5 million MAD go to committee review, so the best fit is an SME or project sponsor that needs bank leverage and formal risk sharing rather than cash grant funding.