Professional equipment leasing
Equipment leasing allows companies to finance machines, tooling, IT, office furniture without freezing cash. Leasing company buys equipment and rents it to company with final purchase option.
Key characteristics
Duration
36-84 mois
Average rate
5%
For whom
Professionals
How it works
Company chooses equipment at supplier, leasing company (Maghrebail, BMCI Leasing, Wafa Leasing) buys it and rents for 36-84 months. Monthly/quarterly rents including interest and amortization. Purchase option 1-5% of initial price.
Comparison vs classic credit
Main advantage: no down payment, 100% financing. Unlike bank equipment credit requiring 20-30% down payment. More tax advantageous as rents 100% deductible vs progressive amortization over 5-10 years.
2026 taxation
Rents 100% deductible from taxable result. VAT recoverable on rents. At maturity, if buyback: asset enters fixed assets at residual value (very low). Significant tax optimization.
Numeric example
Print shop buys HP digital press 800,000 MAD. Leasing 60 months, rent 15,600 MAD/month excl. tax. Residual value 8,000 MAD (1%). Total cost: 15,600 × 60 + 8,000 = 944,000 MAD. 100% deductible vs 750,000 MAD credit partially deductible.
Advantages
- 100% financing, no cash immobilization
- 100% deductible rents, recoverable VAT
- Maintenance included in some contracts
- Facilitated renewal at maturity
Disadvantages
- Equipment not property before option exercise
- Rate generally higher than classic credit (5 vs 4%)
- Penalties for early termination
- Commercial file more complex than standard credit
Recommended providers
Maghrebail
BMCI Leasing
Wafa Leasing
Salafin
When to choose this product?
Ideal for SMEs wanting to invest without burdening cash, especially for high-obsolescence equipment (IT, presses, machine tools). Less relevant for durable equipment > 10 years.
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