How to get help to create a company in Morocco in 2026?

Creating a company does not involve any mandatory physical counter: each document is issued by the competent authority, and all the steps can be completed remotely (see how to create a company 100% online in Morocco). The negative certificate is issued by OMPIC (232.76 MAD online, valid for 90 days), registration in the Commercial Register by the commercial court registry of the registered office (siège social) (Law 15-95; approximately 1,200 MAD in registry fees), the IF, the ICE and the business tax by the DGI, and affiliation by the CNSS. The incorporation is published in a legal announcements newspaper (journal d'annonces légales) and in the Official Bulletin (Bulletin officiel) (from a few hundred to 1,500 MAD).

Basic documents: identity document of the partners (associés) and of the manager (gérant), negative certificate, signed articles of association (statuts), proof of registered office (lease or business domiciliation, Law 89-17) and, for a SARL whose capital exceeds 100,000 MAD (always for an SA), a certificate of blocked funds (Law 5-96, Art. 51). Allow 3 to 10 working days after filing a complete file (about 3 to 5 working days with Charikaty, an indicative timeframe that depends on the registry). With Charikaty, everything is done online, including the electronic signature of the articles of association (Law 43-20).

Framework Law No. 03-22 enacting the Investment Charter (2022) and its implementing decree No. 2-23-1 (2023) organize the investment grants (common grant linked in particular to the stable jobs created, territorial and sectoral grants) and a specific scheme for TPME (very small, small and medium-sized enterprises). Agreements for large-scale projects are processed by AMDIE, the others at regional level. Access to the grants requires a registered company and a project file.

Launched in February 2020, Intelaka is the integrated program supporting the financing of auto-entrepreneurs (self-employed status), project holders and very small enterprises less than 5 years old with turnover of less than 10 M MAD: loans of up to 1.2 M MAD at 2% (1.75% in rural areas), guaranteed up to 80% by Tamwilcom via Damane Intelak, and a Start-TPE loan of 50,000 MAD at 0%. The file is submitted to a bank, which requests the Tamwilcom guarantee: conditions, documents and procedure are detailed in the guide to the Intelaka program and the 2% loan.

Tamwilcom (formerly CCG) is the public guarantee body. Its guarantees cover part of the bank risk and facilitate access to credit: Damane Intelak (Intelaka program), Damane Express (small loans to very small enterprises), Damane Istitmar (investment loans) and export guarantees. For innovative start-ups, the Innov Invest fund finances the seed stage (Innov Idea, Innov Start, Innov Risk, Innov Dev) via accredited incubators: see the guide Innov Invest and Tamwilcom for start-ups.

The Moroccan Investment and Export Development Agency (Agence Marocaine de Développement des Investissements et des Exportations, AMDIE), established by Law No. 60-16, supports investment projects, processes agreements, promotes Morocco's attractiveness and supports exporters. The Maroc PME Agency (formerly ANPME) runs programs targeting very small enterprises and SMEs, open through calls for projects: Imtiaz (investment grant for SMEs), Istitmar (investment grant for very small enterprises), Tatwir (green growth, Industry 4.0). It is also involved in the Investment Charter's specific TPME scheme, whose rollout is announced for 2026; check which programs are open at the time of your application.

Any new company benefits, without any specific application, from several reliefs (presented in detail in the guide to tax incentives for company formation):

• Business tax: full exemption for the first 5 years of operation (Law 47-06, Art. 6-II-1°)
• Minimum contribution (cotisation minimale, CM): exemption for the first 36 months following the start of operations (CGI, Art. 144)

Specific regimes apply in addition depending on the activity or location:

• Industrial companies carrying out activities set by regulation: full exemption from corporate income tax (impôt sur les sociétés, IS) for the first 5 financial years (CGI, Art. 6)
• Industrial Acceleration Zones (Zones d'Accélération Industrielle, ZAI) (Law 19-94 as amended): IS exemption for 5 years then 20%, VAT (TVA) exemption with right of deduction, business tax exempt for 15 years
• Casablanca Finance City (Decree-Law No. 2-20-665 of 30 September 2020, ratified by Law No. 70-20, which repealed and replaced Law No. 44-10): IS exemption for 5 years then 20%; employees' income tax (impôt sur le revenu, IR) at 20% for 10 years
• Auto-entrepreneur (Law 114-13): final (libératoire) IR of 0.5% (trade, industry, crafts) or 1% (services) of turnover, capped at 500,000 MAD or 200,000 MAD

• OFPPT: initial and continuing vocational training
• ANAPEC: support for first hires, including Tahfiz (CGI, Art. 57-20°), which exempts from IR for 24 months gross salaries of up to 10,000 MAD for companies created up to 31 December 2026, Idmaj (integration internships) and Taehil (training on hiring); conditions and caps in the guide to hiring support: ANAPEC, Tahfiz and Idmaj
• Universities and schools: incubators and entrepreneurship chairs
• Chambers of commerce, industry and services: awareness workshops

The private ecosystem offers, in addition:

• Public and private incubators and accelerators
• Investment funds and business angels
• Sector networks: industry, agriculture, tourism, digital, social economy
• Mentoring programs run by entrepreneurs' associations

OMPIC (Law 13-99) registers trademarks, patents and designs and models (Law 17-97). A trademark is protected for ten years, renewable indefinitely, and the filing is done online. Protecting the trademark from formation secures the intangible asset, often required by investors.

• Law No. 103-12 on credit institutions and similar bodies
• Law No. 18-97 on microcredit
• Law No. 15-18 on collaborative financing (lending, donation, investment via companies approved by Bank Al-Maghrib or the AMMC): see the guide to crowdfunding in Morocco
• Office des Changes (foreign exchange authority): IGOC; Moroccans living abroad (MRE) and foreign investors who bring in foreign currency via a convertible dirham account benefit from the guarantee of transfer of dividends and of sale proceeds, subject to the formalities

Support applications require the company's articles of association, its Commercial Register extract and its tax identifiers; with Charikaty, you obtain these documents entirely online.

Charikaty is a private Moroccan legal-tech platform specializing in company formation and compliance. We prepare your file, have your articles of association signed by advanced electronic signature (Law 43-20), file the registration application with the commercial court registry and deliver your Commercial Register extract, your identifiers (IF, ICE, business tax) and your CNSS affiliation, with no travel (Law 88-17). We then refer you to the schemes suited to your project (Intelaka, Tamwilcom, Maroc PME, Investment Charter) and provide you with the legal documents these files require. Discover our online SARL formation service.

With Charikaty, setting up a SARL in Morocco costs from 4,550 MAD including VAT, official fees included, and is done entirely online. More than 250 companies have already been set up with Charikaty.