IT leasing
IT leasing finances computers, servers, software and network equipment for companies. Ideal solution facing rapid IT equipment obsolescence: easy renewal every 3-4 years.
Key characteristics
Duration
24-48 mois
Average rate
5.8%
For whom
Professionals
How it works
Company chooses equipment at IT supplier (HP, Dell, Cisco). Leasing buys and rents for 24-48 months. At maturity, renewal (new equipment) or low-cost buyback. Software licenses included in some packs.
Comparison vs classic credit
Unlike credit (5-year duration), IT leasing aligns with equipment lifecycle (3-4 years). Avoids being stuck with obsolete computers you keep repaying. Automatic update possible.
2026 taxation
100% deductible rents. Recoverable VAT. No amortization to manage. Compared to credit: better optimization as all rent expensed vs only interest + limited amortization.
Numeric example
SME equips 20 IT stations + server, cost 300,000 MAD. Leasing 36 months: rent 9,500 MAD/month excl. tax + maintenance. VR 3,000 MAD. Total 345,000 MAD. Complete replacement possible at maturity.
Advantages
- Renewal aligned with IT obsolescence (3-4 years)
- Maintenance and support often included
- Software financing (licenses, cloud) possible
- Lighter balance sheet, preserved cash
Disadvantages
- Higher rate than industrial equipment leasing
- 3-4 year commitment even if needs evolve
- Total cost higher than cash purchase
- Dependence on leasing provider
Recommended providers
Wafa Leasing
Maghrebail
BMCI Leasing
Salafin
When to choose this product?
Ideal for tech companies frequently renewing their park. Recommended from 10 IT stations. For SMEs: relevant alternative to credit to preserve strategic investment capacity.
Ready to take action?
Our official partner Wafasalaf supports you. Free comparison in 2 minutes.
Also available