Guarantee Conditions

 1- The Guarantee System of loans granted to Small and Meduim Enterprises (SMEs) in manufacturing industries and services and shareholdings of Capital Risk Investment Companies and Common Funds of Risk Investment (SICAR & CFRI) in their capital.

  • Activities of the manufacturing industries annexed to the decree n° 94-492 of February 28, 1994, determining the lists of the activities depending of the sectors covered by articles 1,2,3 and 27 of the  incentive  investments code as modified and completed by the subsequent texts,
  • Activities of computer sciences, services related to software production, services of research and development, services of study, counsel, assistance, maintenance services and repair of vehicles, environment, leisure, agricultural mechanization,
  • Eligible Projects for the incentive plan for Innovation in Information Technology (RITI).

2- Guarantee Mechanism of Financial Strengthening (GMFS)

Are eligible for guarantee of GMFS, SMEs who meet the following criteria:

  • Having obtained agreements granting of bonus supplied with reserves of financial restructuring within the framework of the upgrading program,
  • Having profited of no portion of premiums FODEC within the aforesaid program,
  • Including the program for the financial restructuring is approved by the competent departments of the Ministry of Industry, Energy and SMEs ,
  • Do not be classified among the companies having economic difficulties,

3- Guarantee Funds of Energy Efficiency (GFEE):

Are eligible for guarantee of the GFEE, medium and large industrial enterprises who meet the following criteria:

  • Operating in the industrial sector for at least two years,
  • Wishing to realize Energy Efficiency measures with the use of ESCOs and whose total cost is higher or equal to fifty thousand dollars, and for whose investment time of return is lower or equal to three years.

4- Guarantee Funds of Credit Export (GFCE)

  • Activities of the manufacturing industries annexed to the decree n° 94-492 of February 28, 1994, determining the lists of the activities depending of the sectors covered by articles 1,2,3 and 27 of the  incentive  investments code as modified and completed by the subsequent texts,
  • Activities of services related to industry.