For a small business owner, getting a bank loan can mean the difference between growing a business and putting plans on hold. Bank of Africa has launched a nationwide roadshow to help entrepreneurs find funding, prepare loan applications and deal with administrative procedures. The tour began in Tangier in October 2026 and will visit other cities across the country. It is part of the implementation of the Very Small Enterprise Charter, known as the Charte TPE, which aims to improve support for small businesses.
Bank of Africa is organising the initiative with regional investment centres (CRIs), state-backed financing guarantor Tamwilcom and the General Confederation of Moroccan Enterprises (CGEM).
The programme also brings entrepreneurs into contact with the Moroccan Office of Industrial and Commercial Property (OMPIC), which handles business registration and intellectual property matters, and the National Employment and Skills Promotion Agency (ANAPEC), which supports recruitment and employment.
At dedicated guidance desks and networking sessions, business owners can assess their needs, identify investment opportunities, explore financing options and get help preparing loan applications that meet banks’ requirements. They can also seek help with administrative procedures through the participating public agencies.
Bank of Africa says it advises and supports more than 2,000 small businesses every year.
Under the national framework, a very small enterprise, or TPE, is a business with annual turnover of no more than 10 million dirhams (about $1m). These firms account for more than 90% of registered businesses in the country and provide jobs in local communities.
Despite their numbers, many struggle to secure bank loans. Some lack the collateral banks require, while others have incomplete financial records or limited formal accounts. Concerns about businesses failing during their first three years can also make lenders reluctant to provide credit.
The roadshow aims to address these problems by bringing business advice, preliminary financing assessments and access to public agencies together in one place, rather than leaving entrepreneurs to approach each institution separately.
The initiative builds on earlier support schemes, including Bank of Africa’s CAP TPE programme and Intelaka, launched in 2020 following royal directives to support entrepreneurs and young business owners.
Bank Al-Maghrib, the central bank, has introduced a separate refinancing mechanism that gives banks access to funding on preferential terms for loans to very small enterprises. The measure is designed to encourage lenders to extend more credit to smaller firms.
The roadshow also follows a September 2026 partnership between Bank of Africa and Mastercard to launch the second edition of the “1 minute, 1 pitch, 1 future!” competition. The programme offers early-stage entrepreneurs incubation support and cash prizes ranging from 50,000 to 100,000 dirhams.
Bank of Africa has also updated its digital banking services, including BMCE Direct Entreprise and Hsabati Pro, to help business customers manage their accounts and reduce administrative costs.
