Invest, Finance & Scale Your Business in Morocco
Empowering Moroccan Diaspora (MRE) and international investors to navigate local banking, access public investment subsidies (New Investment Charter, Go Siyaha), and build bankable business plans with local expert Adil Miftah.
Specialized Services for Diaspora (MRE) & Global Investors
Bridging the geographical and regulatory distance to secure your Moroccan venture:
Diaspora (MRE) Project Structuring
Remote representation and end-to-end guidance for Moroccans Living Abroad. We evaluate your local project, audit regional market potential, and interface with local commercial banks on your behalf.
Public Investment Grants & Incentives
Maximize non-repayable state cash grants: New Investment Charter (up to 30% direct prime), Go Siyaha (up to 35% tourism investment subsidy), and Regional Investment Center (CRI) streamlined approvals.
Bank-Compliant Feasibility Studies
Comprehensive 5-year financial models, break-even analyses, and debt-service coverage calculations built specifically to satisfy Moroccan bank credit risk algorithms and Tamwilcom public guarantee criteria.
Corporate Banking & Foreign Exchange Advice
Strategic guidance on Moroccan foreign exchange regulations (Office des Changes convertibility guarantees), dividend repatriation protocols, and opening convertible Dirham accounts for foreign shareholders.
Adil Miftah — Moroccan SME & Corporate Finance Specialist
With over a decade of hands-on advisory experience across Moroccan financial markets, Adil Miftah delivers honest, data-backed consulting for investors. We do not sell false guarantees; we construct robust financial and technical arguments that withstand the scrutiny of Moroccan credit risk committees.
Transparent Advisory Fees
1-on-1 Strategic Diagnostic
A focused 60-minute session via Google Meet / WhatsApp with Adil Miftah to audit project viability, clarify required equity, and evaluate eligible grant programs in Morocco.
Full Business Plan & Bank Dossier
Turnkey technico-financial package: 5-year financial plan, cash-flow projections, working capital analysis, and preparation for bank and CRI grant evaluations.
Frequently Asked Questions
What equity percentage is required by Moroccan banks?
Moroccan commercial lenders strictly require between 15% and 25% of the total project investment to be funded by the founder’s own equity (Apport personnel). Zero-equity bank financing does not exist in Morocco.
Can I handle the process remotely from abroad?
Yes. Most of the preparation, business plan drafting, financial modeling, and preliminary banking interactions can be managed remotely with our advisory support. Formal signatures and corporate account openings may require either a special power of attorney (procuration) or a brief trip to Morocco.
How long does it take to secure a Moroccan bank loan?
With a well-structured file, credit committee evaluations typically take between 4 to 10 weeks. Files involving public grants (like Go Siyaha or Investment Charter) require parallel review through the corresponding agency.
Secure the Best Financing Terms for Your Moroccan Venture
Save months of trial and error. Connect directly with an experienced Moroccan corporate finance specialist.