ISTITMAR SMEs

ISTITMAR is part of the incentive framework of the Investment Charter.

From eligibility diagnosis to file monitoring.

ISTITMAR PME is the investment support scheme aimed at SMEs, linked to the Investment Charter. It aims to support productive projects that create value by mobilising the public and institutional support provided by the national incentive framework. Specifically, TargetUp structures your investment programme and secures the support mechanisms that are genuinely accessible to your project.

The scheme is aimed at SMEs with a productive investment project that creates value and jobs, in priority sectors and across the entire territory, including in regional areas. Eligibility depends on the nature of the investment, its economic coherence, and its expected impact. A free pre-diagnosis allows you to confirm your eligibility within 48 hours, before any file preparation.

A solid file generally includes the company's statutes and legal documents, recent financial statements, a detailed financial business plan, the investment programme (quotes, equipment plan), and the financing plan. The quality and coherence of these documents directly affect their admissibility. TargetUp assembles and formats everything to present a bankable file, in line with the expectations of the reviewing bodies.

The eligibility pre-diagnosis is provided within 48 hours. The official processing then depends on the institutional circuit — passing through the Regional Investment Centre (CRI) and the Unified Regional Investment Commission — and the completeness of the file. A well-prepared file in advance significantly reduces back-and-forths and thus processing times.

Yes, in accordance with the specific rules of each scheme. The investment support from the Charter can be combined with a Damane bank guarantee (Tamwilcom), INTELAKA or FORSA financing for seed funding, or training support via GIAC and CSF. TargetUp coordinates these levers to optimise the overall financing plan, without duplication or incompatibility.

These are two complementary and non-competitive levers. ISTITMAR pertains to investment support (assistance related to the investment programme under the Charter), while Damane — provided by Tamwilcom — is a guarantee that secures bank credit and facilitates its granting. The former enhances the project's attractiveness, while the latter ensures its bankability; both can be mobilised together.

TargetUp operates across the four stages of the process: eligibility analysis, investment dossier preparation, submission and institutional liaison, followed by monitoring until approval. We translate your project into a bankable dossier, advocate for its coherence with stakeholders, and ensure follow-up on communications. While we do not guarantee approval, a rigorous and well-argued dossier maximises your chances.

A dossier is favourably reviewed when it demonstrates a real productive investment, a tangible impact (added value, jobs, regional anchoring), and credible financial solidity. Rejections are most often due to poorly quantified projects, uncertain sector eligibility, or incomplete documentation. TargetUp addresses these issues upfront to present a coherent, complete, and defensible dossier.