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BerryStartup
AI assistant to navigate Moroccan entrepreneurial funding: Tamwilcom, Maroc PME, Intelaka, Ilayki, Investment Charter.
BerryStartup
Hi, I'm BerryStartup. I help you find the right funding instruments for your project in Morocco: Tamwilcom guarantees (Damane Intelak, Ilayki, Damane Istitmar), Maroc PME premiums (Imtiaz, Tatwir), the Investment Charter, and the VC ecosystem. Tell me about your project.
How to use BerryStartup
Describe your profile: project holder, auto-entrepreneur, small business, SME, innovative startup, rural, woman entrepreneur, diaspora or exporter.
BerryStartup surfaces the relevant programs (Tamwilcom, Maroc PME, Intelaka, Charter TPME) with ceilings, rates and guarantee coverages.
Simulate your funding mix (equity, debt, grant, honor loan), test eligibility for a specific product and check your bank ratios.
Download a PDF recap for the credit committee and follow the follow-up questions to move forward step by step.
Why BerryStartup?
2026 framework
Integrates Framework Law 03-22 (Investment Charter), decree 2-23-1, 2026 Tamwilcom product sheets, updated Maroc PME programs and the current status of the Forsa program.
All funding windows in one place
Damane Express, Damane Intelak, Ilayki Invest, Damane Istitmar, Green Invest, Imtiaz, Tatwir Croissance Verte, Tatwir Startup, Charter TPME, Mohammed VI Fund and active VC funds in Morocco.
Clear eligibility
Structured verdict: criteria met, estimated ceiling, common rejection reasons, default bank and backup plan if the file is weak.
Credit committee ready
Computes DSCR, personal contribution, gearing, lists documents and estimates timelines for Intelaka, Imtiaz, Tatwir and Charter TPME.
Frequently asked questions
How do I actually apply for Damane Intelak?
Tamwilcom never lends directly: you file your application at a partner bank (AWB, BCP, BOA, CIH, Crédit Agricole, SG, Al Barid Bank). The bank underwrites and requests the Tamwilcom guarantee. Ceiling 1.2 MMAD, rate capped at 2% HT, 80% guarantee, 0% commission, tenor up to 7 years.
Can I stack Imtiaz and the Investment Charter on the same project?
Not on the same investment tranche: the two premiums cannot be combined on the same spend. You can, however, use Imtiaz on a first tranche and the Charter (TPME or main scheme) on a subsequent extension. Bank guarantees can be combined with the premiums.
Is the Forsa program still open in 2026?
No. No new cohort has been opened since 2022. The 10,000 2022 winners are in the disbursement and repayment phase. New applicants should be redirected to Damane Intelak (Tamwilcom), Tatwir Startup (Maroc PME) and private incubators.
What is the minimum personal contribution for an Intelaka file?
The Intelaka framework accepts a low contribution (typically 10%) thanks to the 80% guarantee rate, but the bank still underwrites solvency. Most accepted files carry 20% to 30% real contribution, made of savings, Start-TPE (up to 50,000 MAD) or an honor loan (Réseau Entreprendre Maroc).
How should I choose between Intelaka debt and a seed equity round?
Intelaka suits bankable projects (predictable cash flows, decent margins, tangible assets) that want to keep 100% of the cap table. Seed equity suits innovative, high-growth, pre-revenue startups or those needing rapid scaling (tickets 2 to 20 MMAD at MNF3, Azur, UM6P Ventures, Outlierz). The two can combine: Tamwilcom debt for working capital, equity for product investment.