Tamwil

What Tamwil does

Tamwil (تمويل) is a digital financing marketplace platform serving entrepreneurs, startups, and small/medium enterprises in Morocco's Marrakech-Safi region. Built as a web-based, self-serve portal at tamwil.ma, it aggregates public and private financing programs — including bank loans, microcredit, angel investment, factoring, grants, tax incentives, crowdfunding, and green/climate financing — and lets users filter by funding amount, purpose, sector, company age, and city across the region's municipalities (Marrakech, Safi, Essaouira, El Jadida, Khouribga, Beni Mellal, and surrounding areas). Core modules include a Financing Search engine, a Loan Amortization Simulator (150,000–10,000,000 MAD, 1–6.5% interest, 1–25 years, with VAT), a Financing Organizations Directory, an Experts Directory covering financial audit, accounting, legal, valuation, and tax advisory, and a dedicated Green Programs section featuring climate-focused incubation (AYCH, YCII&GYII), waste valorization (PNVD), air quality (PNAir), EBRD green technology credit lines (GEFF II, SME GVC), and the post-earthquake Promet 4 Al Haouz recovery program. The platform is multilingual (Arabic and French; English referenced) and integrates Google Analytics, LinkedIn/Google SSO, and social-sharing widgets, with no public API.

Name

Tamwil

Legal name

Tamwil

Website

https://tamwil.ma

Company type

Private

Operating status

Operating

Short description

Tamwil (تمويل) is a grant-funded digital financing marketplace platform serving entrepreneurs and SMEs in Morocco's Marrakech-Safi region, aggregating public and private financing programs, experts, and green/climate initiatives, operated by CGEM Marrakech-Safi with MEPI funding.

Ownership category

akta.pro rank

Product category

Financial Services Marketplace

NAICS

Web Search Portals and All Other Information Services (519290)

SIC

Services-Prepackaged Software (7372)

akta.pro industry

PRIMARYFSAGAHAA

Loan Origination Platforms (LOS) & Digital Application Journeys

Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

Keywords

• Financing marketplace
• Entrepreneur loan search
• SME funding portal
• Green financing programs
• Regional crowdfunding platform

Headquarters

HQ city

Marrakech

HQ country

Morocco

HQ region

Africa

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Others

Revenue model

1. Platform Operations (Grant-Funded): Tamwil is managed by the General Confederation of Moroccan Enterprises (CGEM) of Marrakech-Safi with support from the Near East Foundation and funding from the US Department of State's Middle East Partnership Initiative (MEPI). The platform appears to operate as a non-profit digital public good rather than a revenue-generating commercial entity.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Tamwil operates a digital financing marketplace platform (tamwil.ma) that enables entrepreneurs and SMEs in the Marrakech-Safi region of Morocco to discover, simulate, and apply to public and private financing programs aggregated from banks, microfinance institutions, government agencies, NGOs, investment funds, and international donors. The platform combines a multi-criteria search engine, a loan amortization simulator, an organizations directory, an experts directory, and a curated green/climate programs section, and is offered free of charge to users as a grant-funded regional digital public good.

Product overview

Tamwil is a digital financing marketplace platform for entrepreneurs and businesses in the Marrakech-Safi region of Morocco. The platform operates as a unified portal connecting businesses seeking funding with financing organizations and experts. The core product is the Financing Search module (Tamwil Platform), which enables users to search and apply to financing programs filtered by amount, purpose, sector, and location. Supporting modules include: a Loan Simulator for payment calculations, a Financing Organizations Directory for browsing institutional funders, an Experts Directory for business accompaniment, and a dedicated Green Programs section showcasing climate-focused financing initiatives. The platform is available in Arabic, French, and English, and is operated by the General Confederation of Moroccan Enterprises (CGEM) of Marrakech-Safi with support from the Near East Foundation and funding from the U.S. Department of State's Middle East Partnership Initiative (MEPI).

Differentiator

Problem solved

Functional benefit

Products and services

• Tamwil Platform (منصة تمويل) A digital financing search marketplace platform that connects entrepreneurs and SMEs in the Marrakech-Safi region of Morocco with public and private financing programs; users can search, simulate loans, browse financing organizations, access experts, and submit applications directly through the platform.
• Green Programs Section (البرامج الخضراء) A curated section of the Tamwil platform dedicated to environmental and climate-focused financing and support programs, including green incubation, renewable energy financing, waste management, air quality, and sustainable business acceleration programs offered by partners such as Maroc PME, CMS, UM6P Ventures, ENACTUS Morocco, UNIDO, GPBM/EBRD (GEFF II), MTEDD, and EBF.

Segments3 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and major.

• General Confederation of Moroccan Enterprises - Marrakech-Safi (CGEM)coreStrategic or Co-development PartnerCGEM manages the Tamwil platform for the Marrakech-Safi region. As the managing entity, CGEM coordinates the platform's operations and integrates it with the broader Moroccan entrepreneurship support ecosystem.
• Emerging Business Factory (EBF)majorStrategic or Co-development PartnerEBF is a private IT and media incubator and co-working space based in Marrakech-Safi. It is listed as a partner on the Tamwil platform and offers green programs including the Growing Youth Climate Innovation Incubator (YCII&GYII) and Cesar II: Eau'pportunité, targeting entrepreneurs in the region.
• Mohammed VI Center for Support to Solidarity Microfinance (CMS)majorStrategic or Co-development PartnerCMS is a non-profit structure supporting solidarity microfinance, created by the Mohammed V Foundation for Solidarity. It provides financing solutions including microcredit and programs like Insertion Economique des Jeunes (PIEJ) and AYCH climate incubation program. Listed as a green program provider on Tamwil.
• Maroc PMEmajorStrategic or Co-development PartnerMaroc PME is a public agency under the Ministry of Industry and Commerce that accompanies Moroccan TPMEs. It provides programs like Tatwir Croissance Verte, Mouwakaba, and Istitmar PME listed on Tamwil's green programs section.
• UM6P Ventures SAmajorStrategic or Co-development PartnerUM6P Ventures SA is the investment arm of Mohammed VI Polytechnic University. It supports tech startups and R&D projects through capital investment and strategic support. Offers the Green Start-up program for ecological entrepreneurship on the Tamwil platform.
• ENACTUS MoroccomajorStrategic or Co-development PartnerENACTUS is an international NGO working in student entrepreneurship and sustainable development. It implements the Green Forward program on Tamwil, which strengthens the capacities of business support organizations and supports green transition of TPMEs.
• UNIDO (ONUDI)majorStrategic or Co-development PartnerUNIDO is a United Nations specialized agency promoting inclusive and sustainable industrial development. It coordinates the Cleantech Maroc program on Tamwil, an annual competition for green entrepreneurship with pre-acceleration, acceleration, and grant support.
• Groupement Professionnel des Banques du Maroc (GPBM)majorStrategic or Co-development PartnerGPBM is the association of Moroccan banks established in 1943. It provides the Green Economy Financing Facility Morocco (GEFF II) in partnership with EBRD, offering credit lines, investment grants, and technical assistance for green technologies to SMEs.
• Ministry of Energy Transition and Sustainable Development (MTEDD)majorStrategic or Co-development PartnerMTEDD implements national environmental programs listed on Tamwil including the Programme National de l'Air (PNAir), Programme National de Valorisation des Déchets (PNVD), and Cleantech Maroc, targeting air quality, waste valorization, and clean technology innovation.
• Near East Foundation (NEF) - Morocco ProgrammajorStrategic or Co-development PartnerNEF Morocco, in partnership with Emerging Business Factory, implements the Growing Youth Climate Innovation Incubator (YCII&GYII) targeting young Moroccan entrepreneurs aged 18-35 with climate-focused startups. The program offers 6-month incubation, 4-month acceleration, and climate grants of 30-100k MAD.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• LendingTree: US-based online lending marketplace that aggregates multiple loan products and connects consumers/SMBs to lenders via a searchable, comparison-style interface. Comparable to Tamwil as a digital discovery and application funnel for financing, although operating at vastly greater scale and with more mature monetization.
• BankBazaar: Indian financial product marketplace offering free comparison of loans, credit cards, and insurance from multiple providers. Closely comparable to Tamwil as a multi-product, multi-financier search and application platform targeting consumers and small businesses in an emerging market.
• MoneySupermarket: UK price comparison platform allowing users to search and apply for financial products across multiple providers. Comparable to Tamwil in operating as a neutral, search-driven marketplace that routes users to underlying financing institutions.
• GoCompare: UK financial comparison marketplace offering side-by-side product search and application. Operates using a similar product-led, self-serve 'search → compare → apply' funnel as Tamwil and would be relevant as a UX and distribution reference.

Broad incumbents

• Funding Circle: Established UK/US SME lending platform that has historically operated both a marketplace model and direct lending to small businesses. Comparable to Tamwil in its SME focus and marketplace mechanism, though it originates loans directly rather than purely aggregating them.
• Kiva: Global non-profit crowdfunding platform enabling crowdfunded microloans to underserved entrepreneurs worldwide. Comparable to Tamwil in its mission-driven approach to expanding SME financing access and its network of partner institutions, though operating at global scale rather than regionally.

Regional players

• Souqalmal: MENA-region financial comparison platform (UAE-headquartered) offering comparison of banking, insurance, and lending products. Comparable to Tamwil in targeting Arabic-speaking entrepreneurs in an emerging market, although it operates across multiple MENA countries rather than a single region.
• YallaCompare: UAE-based financial product comparison platform for credit cards, loans, and insurance. Comparable to Tamwil as a regional financial aggregation and discovery platform serving small businesses and consumers in the MENA region.

Emerging players

• Tala: Digital lending platform serving underbanked consumers and small businesses in emerging markets including Mexico, the Philippines, and India. Comparable to Tamwil in its focus on financial inclusion for SMEs/entrepreneurs in emerging markets, though Tala operates direct underwriting rather than a pure aggregator model.
• Branch International: Digital lending platform providing micro-loans and insurance to consumers and small businesses across Africa, India, and Latin America. Comparable to Tamwil in its focus on SME financial access in emerging markets, though it operates as a direct lender rather than a marketplace.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tamwil