Tatwir Digital / Maroc PME Grant Guide: Up to 80% Co-Financing
Specification Matrix
Core Engineering Requirements
- ›The Tatwir Digital program subsidizes up to 80% of bespoke engineering and modernization costs for eligible Moroccan companies.
- ›Eligible expenses include custom software architecture, ERP integrations (SAP, Sage, Odoo), voice AI, and cybersecurity audits.
- ›Recurring SaaS licenses and general advertising spend are strictly excluded from state co-financing.
- ›Applications require valid tax compliance (DGI attestation), CNSS regularity certificate, and certified fiscal balance sheets.
1. What Expenses Are Eligible for the 80% Subsidy?
Administered by Maroc PME under the Ministry of Industry and Trade, the Tatwir Digital initiative subsidizes high-impact operational modernization. Eligible projects include: bespoke software engineering, direct ERP/CRM integrations, automated voice telephony agents, edge hardware installations for industrial telemetry, and DGSSI-compliant cybersecurity hardening. Pure commodity hardware (office laptops, computer screens) and recurring commercial SaaS subscriptions are strictly non-eligible.
2. Mandatory Application Dossier & Fiscal Compliance Filings
To qualify for evaluation by the Maroc PME technical commission, enterprises must be registered Moroccan commercial entities (SARL or SA) with at least 2 full years of verified operations. The submission package mandates: (1) Valid Registre de Commerce (RC) and ICE certificate, (2) Attestation de Régularité Fiscale from the DGI proving zero tax arrears, (3) Attestation de Situation Cotisante from the CNSS, (4) Certified balance sheets (Bilans CPC) for the last two fiscal years signed by a certified chartered accountant, and (5) A detailed technical specification and quote from an accredited engineering partner like Vext.
# Maroc PME Tatwir Digital Pre-Submission Audit Script
# Validates fiscal compliance certificates before submission
test -f /etc/vext/compliance/attestation_dgi_2026.pdf || echo "MISSING: DGI Tax Clearance"
test -f /etc/vext/compliance/attestation_cnss_2026.pdf || echo "MISSING: CNSS Certificate"
test -f /etc/vext/compliance/bilan_comptable_n1.pdf || echo "MISSING: Fiscal Balance Sheet N-1"
test -f /etc/vext/compliance/bilan_comptable_n2.pdf || echo "MISSING: Fiscal Balance Sheet N-2"
echo "Maroc PME Eligibility Audit Complete: All mandatory fiscal filings validated."3. Step-by-Step Approval Timeline & Fund Disbursement Phases
The Tatwir Digital approval process unfolds across four structured milestones: Milestone 1 involves initial eligibility validation and dossier intake (10 business days). Milestone 2 consists of formal review by the Commission Mixte and signature of the bilateral funding agreement (Convention de Financement, 3-4 weeks). Milestone 3 encompasses project sprint execution and milestone delivery against the approved technical roadmap. Milestone 4 is the final audit by a Maroc PME appointed accounting audit firm, followed by direct subsidy disbursement to the enterprise bank account.
4. Grant Optimization Model: Project Budget vs Co-Financing Table
By strategically structuring custom software deliverables within eligible categories, enterprises maximize the non-refundable state contribution while minimizing out-of-pocket working capital requirements.
| Project Envelope (HT) | Eligible Engineering Scope | Maroc PME Subsidy (80%) | Net Company Cash Contribution | Target ROI Horizon |
|---|---|---|---|---|
| 150,000 MAD | Voice AI Agent MVP + SIP trunking | 120,000 MAD | 30,000 MAD | 2.5 Months |
| 350,000 MAD | Full ERP Sync + Multi-line Voice AI | 280,000 MAD | 70,000 MAD | 4.0 Months |
| 750,000 MAD | Multi-Site Industrial Telemetry + AI | 600,000 MAD | 150,000 MAD | 6.5 Months |
| 1,000,000 MAD (Ceiling) | Complete Sovereign Enterprise Stack | 800,000 MAD | 200,000 MAD | 8.0 Months |
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