PACT'Scale Up Maroc PME: 80% Grant for Business Acceleration
Comprehensive guide to Maroc PME PACT'Scale Up 2026: 360° diagnostic, acceleration roadmap, 80% grant up to 2,000,000 MAD, eligibility & simulator.
PACT'Scale Up is the flagship acceleration grant operated by Maroc PME under the PACTE TPME framework (2026-2030). It co-finances 80% of costs for 360° diagnostics and acceleration roadmap implementation, capped at 2,000,000 MAD. It targets Moroccan high-growth SMEs with annual turnover ≤ 200M MAD and high-potential early-stage ventures.
What is the PACT'Scale Up Programme?
PACT'Scale Up is designed to elevate Moroccan enterprises with proven market traction into national champions. It targets organizational, technical, and strategic bottlenecks triggered by rapid expansion.
The scheme combines a comprehensive 360° enterprise diagnostic with access to specialized expert platforms covering market access, technology, talent acquisition, and financing ecosystems, backed by a grant up to 2 million MAD.
Official Eligibility Criteria
In accordance with Maroc PME rules, eligible beneficiaries are:
- ✅ Moroccan private-law companies (SARL, SA, SAS), including in Industrial Acceleration Zones.
- ✅ Annual turnover excl. VAT ≤ 200M MAD in one closed fiscal year during the last 3 years.
- ✅ Early-stage startups (< 1 year old) projecting annual turnover ≤ 200M MAD in their business plan.
- ✅ Transformation cooperatives with annual turnover excl. VAT ≤ 200M MAD.
- ✅ Consortia and holding groups with average annual turnover ≤ 200M MAD.
- ✅ Enterprises not held > 50% by a parent group with annual turnover exceeding 200M MAD.
Ineligible Profiles & Exclusions
- ⚠️ Auto-entrepreneurs and unincorporated sole proprietorships.
- ⚠️ Enterprises or consolidated groups with turnover exceeding 200 million MAD.
- ⚠️ Applications requesting grant coverage for physical equipment, real estate, or capex.
Eligible and Excluded Advisory Scope
✅ Eligible Services (Advisory)
- Comprehensive 360° diagnostic identifying growth levers and structural bottlenecks.
- Design and operational execution of the enterprise acceleration plan.
- Market access platforms for commercial scaling and international export growth.
- Access to technology, innovation, and knowledge-transfer frameworks.
- Access to talent: executive search, leadership coaching, and workforce upskilling.
- Strategic advisory in corporate governance and operational restructuring.
- Financial engineering and structured connections with financing ecosystems.
❌ Excluded Expenses (Non-Eligible)
- Physical production machinery, equipment, or heavy plant capex.
- Land acquisition or commercial facility construction.
- Routine operating expenses and recurring staff salaries.
PACT'Scale Up Grant Simulator (80% up to 2M MAD)
Simulate the 80% co-financing grant and the indicative company remaining share in real time.
Educational Scenarios (Calculated Examples)
Scenario 1: Fast-Growing Tech/Services SME (500,000 MAD 360° Diagnostic)
High-traction business structuring governance, operational systems, and talent retention.
Scenario 2: Expanding Manufacturing SME (2,800,000 MAD Acceleration Roadmap)
Multi-year commercial and technical scaling project exceeding the statutory grant ceiling.
Sales are surging… but is the enterprise genuinely engineered to scale up?
Initial Situation: Operating companies often hit rapid inflection points: incoming orders surge, client rosters expand, and new regional territories open. But internally, stress accumulates across personnel, shop-floor execution, working capital, and technology.
Mokawala Intervention: At this phase, we analyze the business as a unified engine: commercial pipeline, key talent, technical infrastructure, specialized expertise, cash runway, and operational capacity to sustain volume expansion.
The goal is not merely expanding revenue, but engineering an institution capable of absorbing growth without letting commercial momentum degrade into delivery failure or insolvency.
Growth without institutional architecture precipitates crises faster than stagnation.
🛡️ Composite case based on real advisory files handled by the firm, with details modified to preserve confidentiality.
Overall Scale-Up Project Financing Stack
PACT'Scale Up strictly finances strategic acceleration and organizational engineering. Here is the comprehensive funding structure for a scaling company:
Covers 80% of 360° diagnostics, acceleration execution, and expert network platform access.
Non-repayable consulting grantSelf-financed 20% equity co-payment on approved advisory services.
Company internal cash reservesDirect equity infusion to finance overseas expansion, working capital spikes, and acquisitions.
Private Equity / Venture CapitalPhysical capital assets financed through long-term institutional bank credit lines.
Bank capex loans / Investment CharterApplication Workflow
🏛️ Official Administrative Process
Online submission via candidatures.marocpme.gov.ma. Applications are evaluated on growth viability, business trajectory, and technical consistency of the 360° Terms of Reference before committee adjudication.
📋 Recommended Preparation Roadmap
- 🔹 Assess financial runway and balance-sheet resilience to support rapid scale-up.
- 🔹 Formalize a 3-year strategic vision: market expansion, product roadmap, governance.
- 🔹 Draft rigorous TDR for the 360° diagnostic and acceleration execution milestones.
- 🔹 Select reputable consulting advisors with documented scale-up credentials.
- 🔹 Assemble certified financial statements and corporate governance records.
Required Application Documents
Standard administrative checklist for PACTE TPME processing:
- 📄 Legal corporate file: Commercial Register, Articles of Association, Patente.
- 📄 Certified financial statements (Bilans) for the last 3 closed financial years.
- 📄 Terms of Reference (TDR) for the 360° diagnostic and acceleration programme.
- 📄 Technical and financial quotation from the selected consulting firm with expert CVs.
- 📄 Strategic business plan outlining scaling roadmap and milestone projections.
Points of Vigilance & Rejection Risks
⚠️ Statutory rejection criteria:
- • Turnover exceeding 200M MAD ceiling.
- • Lacking verifiable growth traction or clearly articulated scaling milestones.
- • Ineligible legal status (auto-entrepreneur, unregistered individual).
⚠️ Operational pitfalls:
- • Conflating advisory acceleration funding (2M MAD) with capital expenditure on machinery.
- • Rapid sales expansion outpacing working capital, triggering severe liquidity distress.
- • Commencing advisory delivery prior to official agreement execution.
“Adil Miftah’s view: a company generating rising sales is not automatically ready to scale up. The fundamental question is whether internal organization, cash-flow architecture, key personnel, and tech stack are built to sustain the next growth phase.”
“At this juncture, the business must be structured as an integrated operating system: market access, talent, technology, and liquidity, ensuring commercial expansion does not induce execution gridlock.”
Complementary Scale-up Financing Channels
🔄 Investment Charter (Charte de l'Investissement)
For large-scale capex industrial investments exceeding SME grant thresholds.
🔄 Private Equity & Growth Capital
For equity infusions to fund large working capital and international expansion.
🔄 PACT'Performance
For targeted operational productivity, ERP, and AI optimization up to 1M MAD.
Frequently Asked Questions (FAQ)
Does PACT'Scale Up fund physical production machinery?
No. The programme co-finances 80% of strategic advisory and implementation services: 360° diagnostic, acceleration roadmap, expert platforms, technology access, talent, and financial engineering. Equipment purchases (CAPEX) require bank credit or equity financing.
What is the statutory ceiling for PACT'Scale Up?
The maximum grant ceiling is 2,000,000 MAD per beneficiary enterprise, capped at 80% of approved eligible advisory expenses.
Can early-stage ventures (< 1 year old) apply?
Yes. Startups under 1 year old displaying strong growth potential qualify if their business plan forecasts annual turnover ≤ 200M MAD over the next 3 years.
What does the 360° diagnostic entail?
It is an in-depth organizational audit evaluating commercial markets, technology stack, human capital, governance, and financial engineering to remove expansion bottlenecks.
Structure your PACT'Scale Up Dossier
Get strategic guidance on terms of reference and eligibility audit before formal submission.