Working and investing

Working, investing, starting a business

Auto-entrepreneur status: who can register

The status is open to any natural person resident in Morocco who carries out an independent activity in their own name. If you still live abroad, you do not meet the residence condition. Source: casainvest.ma

Auto-entrepreneur status: how to register

Check that your activity is eligible, pre-register on rn.ae.gov.ma, prepare your file and hand it in at a counter of a partner bank of Poste Maroc. You follow it online, then receive your card. Source: casainvest.ma

Auto-entrepreneur status: turnover ceilings and the single-client rule

Turnover ceiling: 500,000 dirhams a year for commerce, industry and crafts, 200,000 for services. For services above 80,000 dirhams a year with one client, the client withholds 30% tax on the excess.

Creating a company online

DIRECT ENTREPRISE (www.directentreprise.ma) is the official online channel for all company-creation formalities. Source: casainvest.ma

Company creation: reserving the name

The first step is the negative certificate, which reserves the company name. You request it online. It costs about 233 dirhams and is valid three months. Source: rabatinvest.ma

Company creation: registration fees

Registering the articles of association is free; other deeds cost from 260 dirhams. Commercial register: 350 dirhams. Legal notice: 973 dirhams for a société anonyme, 423 for the other forms listed, 223 for a branch. Source: rabatinvest.ma

Regional investment centres: the CRI-Invest platform

On this platform of the regional investment centres you launch an investment project online, follow its progress, read the procedures and incentives, and receive authorisations. Source: fesmeknesinvest.ma

Investment charter: scheme for smaller companies

For very small, small and medium companies: a project of 1 to 50 million dirhams, a stable-jobs ratio of at least 1.5 (1 for tourism) and at least 10% of the project financed by equity. Source: casainvest.ma

Investment charter: ceiling on premiums

Under the investment charter, the overall premium can reach 30% of the eligible investment, adding together the common, territorial and sector premiums. Source: casainvest.ma

MDM Invest: what it is

State fund managed by Tamwilcom. It pays a non-repayable premium, once the project is completed, to companies created or extended in Morocco by Moroccans living abroad. Phone: 0537 71 68 68. Source: casainvest.ma

MDM Invest: premium and project size

The premium is 10% of the investment, capped at 5 million dirhams. The project must be a creation or an extension worth at least 1 million dirhams. Projects completed before the request are not eligible. Source: casainvest.ma

MDM Invest: eligible sectors

Industry and related services, education, transport and logistics, energy, green economy, digital, crafts, tourism and health. Source: casainvest.ma

MDM Invest: your own contribution

Your equity must be at least 20% of the project; the rest is bank credit or another contribution. Some official pages still show older terms (25% in foreign currency), so confirm with your bank. Source: casainvest.ma

MDM Invest: who can apply and how

Open to Moroccans living abroad who hold a residence permit, a foreign identity document or a consular card, and to those who returned for good less than a year before filing. You apply only through a bank. Source: casainvest.ma

MDM Tamwil: co-financing loan

Tamwilcom co-finances, with a bank, companies created or extended by Moroccans abroad. Its share is 1 to 5 million dirhams, up to 40% of the investment, for projects of at least 2.5 million dirhams. Source: casainvest.ma

MDM Tamwil: rate and duration

Tamwilcom's share costs 2.5% a year excluding tax, over 7 years at most, including up to 2 years before repayment of the principal starts. You apply through the bank. Source: casainvest.ma

Loan guarantees for small businesses

Intelaka: bank loans up to 1.2 million dirhams, guaranteed at 80% of the principal. Damane Express: 70% guarantee on loans and leases up to 1 million dirhams, 80% for companies led mainly by women. Source: casainvest.ma

Grants for small projects

The National Initiative for Human Development grants up to 100,000 dirhams per project, covering at most 90% of its cost. Source: casainvest.ma

Foreign pension: allowance and 80% tax reduction

If you settle in Morocco with a foreign pension, a flat allowance applies first: 70% up to 168,000 dirhams a year and 40% above. The tax due on the pension you transfer is then reduced by 80%. Source: mre.gov.ma

Foreign pension: conditions and yearly return

The reduction covers only amounts transferred for good in non-convertible dirhams. File your income return before 1 March each year, with certificates from the payer and your bank. Help line: 05 37 27 37 27. Source: mre.gov.ma

The 12 regional investment centres