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Intilaka 2024: Your Gateway to Entrepreneurship in Morocco

Intilaka is not just a program; it’s a revolution for Moroccan entrepreneurs. Let me explain why.

A royal initiative to boost job creation

Under the patronage of the Moroccan government and following royal directives, the Intilaka program is a golden opportunity for those aspiring to make their mark in the entrepreneurial world. Launched in February of an unspecified year, this program targets budding businesses that are less than 24 months old. If you’re keen on starting your business in Morocco, Intilaka might be your ideal starting point. For more details.

How does it work?

The core of the Intilaka program

The intentions behind this program are straightforward and noble. It seeks to empower entrepreneurial initiatives, especially focusing on eliminating the informal sector by providing easy financing for entrepreneurs. What’s even better? The financing is backed by a public guarantee via the CCG (Central Guarantee Fund), an entity dedicated to fostering and supporting private businesses.

Who can benefit from Intilaka?

  • Qualified recent graduates
  • Solo entrepreneurs
  • Individual entrepreneurs
  • General individuals
  • Very Small Enterprises
  • Individual farmers
  • Start-ups

The program covers both the initial investment expenses and operating costs. Moreover, you have a wide range of partner banks to collaborate with, such as al Barid Bank, CFG Bank, Arab Bank, CIH Bank, Attijariwafa Bank, Credit Agricole du Maroc, Bank Al-Amal, Credit du Maroc, BMCE Bank, Popular Credit of Morocco, BMCI, and Societe Generale Moroccan Banks.

Selection criteria

  • New businesses: Must have a forecasted turnover of less than 10 million dirhams.
  • Urban businesses: Should be less than 5 years old with a turnover of less than 10 million dirhams.
  • Rural businesses: They should meet the same criteria as urban businesses, except for farming operations.
  • African exporting companies: They are exempted from the age condition.

Detailed financing offers

Intilaka provides three major financing solutions:

  1. Intelak Credit for urban projects: Offers up to 1.2 million dirhams with no personal guarantees. It comes at a preferential interest rate of 2% excluding VAT.
  2. Intelak Al Moustatmir Al Qarawi Credit for rural projects: Provides up to 1.2 million DH without requiring personal guarantees. The interest rate is set at a preferential 1.75% excluding VAT.
  3. Startup Credit: This is supplementary to the main investment credit, offering 20% of the investment credit amount, up to 50,000 DH. There’s no need for any guarantees and comes with a 0% interest rate.

So, are you, as an entrepreneur, ready to take the leap with Intilaka? Morocco has always been a land of opportunities. With programs like Intilaka, the possibilities are endless. Dive in and reach for the stars! 🚀🌟🔥

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