The verdict in three sentences
The 3FPT (Professional and Technical Training Financing Fund) reimburses up to 100% of your team's digital training costs: web development, digital marketing, e-commerce, cybersecurity. You already contribute: 3% of gross payroll, withheld at source via IPRES. An SME can recover up to 5,000,000 FCFA per year on invoices from approved centers, so you might as well use money you pay anyway.
How the 3FPT works
It works like a mutualized fund: every company contributes, and those that train their staff get reimbursed. Many SMEs do not realize they are leaving this money idle.
| 3FPT parameter | 2026 value |
|---|---|
| Employer contribution | 3% of gross payroll |
| Collection method | At source, via IPRES |
| SME reimbursement cap | up to 5,000,000 FCFA / year |
| Coverage rate | up to 100% of approved costs |
| Approved centers | 247 (38 in digital) |
| Online training | Eligible since 2022 |
| Reimbursement time | 45-90 days |
Eligible digital training covers the most in-demand skills: site building, e-commerce management, Meta/Google advertising, SEO, cybersecurity, data. Online formats have been eligible since 2022, opening access to SMEs outside Dakar.
What an SME can actually recover
| SME size | Annual payroll (order of magnitude) | 3% contribution | Recoverable training |
|---|---|---|---|
| 5 employees | ~10,000,000 FCFA | ~300,000 FCFA | up to 300,000 FCFA |
| 10 employees | ~20,000,000 FCFA | ~600,000 FCFA | ~600,000 FCFA |
| 25 employees | ~50,000,000 FCFA | ~1,500,000 FCFA | up to 1,500,000 FCFA |
| 50 employees | ~100,000,000 FCFA | ~3,000,000 FCFA | up to 3,000,000 FCFA |
These amounts are 2026 orders of magnitude: they vary with actual payroll and caps. The idea stays the same: training becomes nearly free for the company that structures its requests.
Become a Kolonell business referrer: the winning combo
Here is the clever angle for a referrer. When you offer an SME a website + digital training funded by the 3FPT, the deal becomes far easier to close: the client sees they upskill almost for free while getting equipped. The Kolonell referrer program pays you: 15% on a showcase site (+ 5% recurring), 12% on e-commerce, 10% on a marketplace, 8% on institutional. The 3FPT is your opener; the commission is your reward.
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| Kolonell division | Sale commission | Recurring |
|---|---|---|
| Showcase site | 15% | 5% |
| E-commerce | 12% | 5% |
| Marketplace | 10% | — |
| Institutional | 8% | — |
Mini case study
Bineta runs a 10-employee SME in Dakar, payroll around 20,000,000 FCFA, so a 3FPT contribution of about 600,000 FCFA per year she was not recovering. A Kolonell referrer offers her a combo: a Growth showcase site at 500,000 FCFA plus e-commerce training for her team, covered by the 3FPT. Bineta recovers her contribution as training and gets equipped online. The referrer earns 75,000 FCFA (15% of the showcase site) plus 5% recurring on maintenance. Everyone wins, including the 3FPT fund finally put to use.
FAQ
Does the 3FPT really fund 100% of a digital training? Yes, up to 100% of costs for training delivered by approved centers, within annual caps and your contribution.
What is the annual cap for an SME? Up to 5,000,000 FCFA per year on approved-center invoices. The usable amount depends mainly on your payroll and therefore your contribution.
Is online training eligible? Yes, since 2022. This lets SMEs outside Dakar and distributed teams train without travel costs.
How long to get reimbursed? Expect 45 to 90 days after filing approved invoices. Plan cash flow: you pay first, then get reimbursed.
How do you find an approved digital center? The 3FPT lists 247 approved centers, 38 in digital. Verify approval before signing, since only approved-center invoices are reimbursed.
Let's talk about your project. Combine a website with 3FPT-funded training for your team, or become a referrer and make the 3FPT your best sales argument. WhatsApp +221 77 596 93 33.
Mohamed Bah
Fondateur, Kolonell
Passionate about digital and entrepreneurship in Africa, Mohamed has been helping Sénégalese businesses with their digital transformation since 2020. Founder of Kolonell, he believes every SME deserves a professional and accessible online présence.
