Tamwilcom Damane Guarantee Suite

Tamwilcom Damane Guarantee Suite

Offers Damane guarantees from Tamwilcom, sharing bank risk with lenders to support Moroccan small and medium sized enterprises.

The Damane guarantee suite is Tamwilcom's flagship credit-risk guarantee portfolio, comprising 15 or more distinct products that enable Moroccan SMEs to access bank financing they could not otherwise obtain on standalone credit terms. Tamwilcom, Morocco's state-owned guarantee and financing institution, absorbs 50–80% of the bank's credit risk in the event of borrower default; the borrower remains fully liable for repayment of the underlying loan. Financing is accessed exclusively through one of 12 accredited Moroccan partner banks — Tamwilcom does not lend directly.

Key Damane products include: Damane Création (business creation lending, 50–60% guarantee, up to 25 million MAD); Damane Investissement (capital equipment and real-estate credit, 50–60% guarantee, up to 25 million MAD, terms up to 15 years); Damane Express (short-term treasury and overdraft facilities, up to 4 million MAD); Damane Export (export-receivables financing and political-risk coverage); and Damane Développement (debt restructuring and consolidation for viable enterprises under financial stress). Guarantee requests below 5 million MAD are auto-validated; requests above 5 million MAD are reviewed by a credit committee. Annual guarantee commission ranges from 0.5% to 2% on outstanding capital.

Eligible applicants are Moroccan-registered companies, whether for-profit or nonprofit in structure, operating within Morocco. There is no stated sector restriction — the Damane suite covers manufacturing, trade, services, agriculture, and export-oriented businesses. Applicants should approach any of Tamwilcom's 12 partner banks and request a Damane-backed loan product; the partner bank submits the guarantee request to Tamwilcom on the applicant's behalf.