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Template · 7 min readBusiness plan templates — the Moroccan SME pack
Most Moroccan banks, Tamwilcom guarantee schemes and Maroc PME programmes ask for the same six documents. This page gives you the structure, the numbers banks look for, and the section wording that gets approvals.
The six documents you actually need
- Executive summary — 1 page, French.
- Business plan narrative — 15–25 pages.
- Financial model — 3-year P&L, cash flow, balance sheet, in MAD.
- Funding request — amount, instrument, use of funds, repayment plan.
- Pitch deck — 12–15 slides for investors.
- Annexes — CVs, RC extract, ICE, devis, market study sources.
Business plan narrative — the standard sections
- Présentation du porteur de projet (background, why you, why now).
- Présentation du projet (offer, value proposition, USP).
- Étude de marché (size, growth, segments, competition).
- Stratégie commerciale (channels, pricing, sales cycle).
- Stratégie marketing (positioning, brand, communication).
- Organisation et moyens humains (org chart, key hires, payroll).
- Moyens techniques et matériels (premises, equipment, suppliers).
- Plan d’investissement (capex, working capital).
- Plan de financement (equity, debt, grants).
- Comptes prévisionnels (P&L, cash, balance — 3 years).
- Analyse des risques et plan de continuité.
- Conclusion et impact socio-économique (jobs created, region).
Financial model — what banks check
| Metric | What is acceptable | Common red flag |
|---|---|---|
| Equity ratio | ≥ 30 % of total funding | Founder puts only 5 % |
| DSCR (debt service coverage) | ≥ 1.3 | Year 1 DSCR < 1 |
| Gross margin | Sector benchmark ± 5 pts | Margin 80 % “because SaaS” without basis |
| Working capital | 30–60 days of revenue | Zero or negative WC |
| Break-even month | Year 1–2 | Year 4+ |
| BFR coverage | Funded explicitly | BFR ignored |
Pitch deck — 12 slides that get meetings
- Cover (logo, one-line value proposition, traction headline).
- Problem (with Moroccan / Souss-Massa specifics).
- Solution (3-screen demo or photo).
- Market size (TAM / SAM / SOM in MAD).
- Product (how it works).
- Business model + unit economics.
- Traction (customers, revenue, retention).
- Go-to-market (channels & CAC).
- Competition (matrix).
- Team (founders & advisors).
- Financials (3-year forecast).
- Ask (round size, instrument, use of funds, lead investor target).
Funding-request wording that works
Sample: « Le porteur sollicite un crédit moyen terme de MAD 1 200 000 sur 7 ans, dont 12 mois de différé, pour financer l’acquisition de matériel de transformation (MAD 800k), l’aménagement du local (MAD 250k) et le besoin en fonds de roulement (MAD 150k). Apport personnel : MAD 400 000 (équivalent 25 %). Garantie sollicitée : Damane Express via Tamwilcom à hauteur de 70 %. »
Where to use these templates
- Innov Invest (Tamwilcom) — pitch deck + business plan + financials.
- Tatwir Startup (Maroc PME) — full file + impact section.
- Damane Express, Damane Création (Tamwilcom guarantee) — bank file with stressed DSCR.
- 212 Founders — pitch deck and financial model only.
- Klub des Investisseurs Bidaya — short note + cap table.
Templates you can copy
We don’t distribute spreadsheet binaries on this page (security policy), but every section above is a complete spec. Recreate in:
- Google Sheets (recommended for collaboration).
- Excel — Maroc PME accepts
.xlsx. - LibreOffice Calc — accepted by most banks.
Need a head start? Book a free consult and we’ll share our internal Tamwilcom-ready financial model.