Utility vehicle leasing
Utility leasing finances vans, trucks, construction vehicles for craftsmen, merchants, transporters. Flexible solution for mobile professionals renewing fleet every 5 years.
Key characteristics
Duration
36-72 mois
Average rate
5.3%
For whom
Professionals
How it works
Similar to auto leasing but adapted to professional needs: usable height, volume, specific fittings. Rents over 36-72 months. Industrial maintenance often included. Final purchase option 5-15% of original price.
Comparison vs classic credit
More advantageous rate than classic auto credit thanks to guarantees (registration in leasing company name). Preventive maintenance often included, avoiding unexpected breakdowns that immobilize utility and impact turnover.
2026 taxation
Rents 100% deductible as operating charges. 20% VAT recoverable (unlike tourism vehicles where VAT rarely recoverable). Double advantage vs classic purchase.
Numeric example
Transporter buys Renault Master 450,000 MAD. Leasing 60 months: down payment 15% = 67,500, rent 7,200 MAD/month × 60, VR 45,000 (10%). Total cost 544,500 MAD. 100% deductibility vs credit with VAT non-recoverable for individual.
Advantages
- 85-100% financing, low down payment
- Recoverable VAT (20% of price)
- Included maintenance (no unexpected breakdowns)
- Facilitated fleet renewal
Disadvantages
- Reserved for professionals registered in Trade Register
- File to constitute (balance sheets, forecasts)
- Early termination penalties
- Usage restrictions (mileage, zones)
Recommended providers
Maghrebail
Sofac
Wafa Leasing
BMCI Leasing
When to choose this product?
Perfect for craftsmen/transporters active for 2+ years with stable flows. Recommended for fleets of 3+ vehicles for simplified management.
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