<b>VSE</b> Solutions

Launch your VSE with BANK OF AFRICA's Solutions

Every idea can become a success.

Entrepreneurs launching a project, developing their business, or growing their company can rely on BANK OF AFRICA's SME support program. Tailored support, designed to meet real-world needs, with a reliable, committed, and always attentive banking partner.

4 key advantages of VSE Solutions

BANK OF AFRICA's VSE Solution is much more than just a banking offer: it's comprehensive and personalized support at every stage of your entrepreneurial journey. Designed for very small businesses in Morocco, it adapts to the specific needs of each activity with simplified banking services, tailored financing, and exclusive benefits to help you manage, develop, and grow your business with confidence.

Customized packages to simplify the daily management of your accounts, with a free first year offer dedicated to young entrepreneurs under 35 and women entrepreneurs.
A wide choice of payment cards, personal or professional, valid in Morocco and internationally, to facilitate your withdrawals, transactions and access to exclusive benefits.
The BMCE Direct PRO and BMCE Direct Entreprise platforms allow you to view and manage your accounts remotely, 24/7, with a single click.
DabaPay PRO is a digital solution for professionals and merchants that allows you to accept real-time payments via mobile, simply and securely.

Packages and cards tailored to the needs of professionals

BANK OF AFRICA offers professionals a range of packages and cards designed to support both day-to-day needs and development projects.

From managing expenses and payments to withdrawals, mobility, and transaction tracking, our solutions adapt to your business, your pace, and your professional practices, with services and benefits designed to offer you greater simplicity, flexibility, and control.

Packages :

Because no two professional activities are managed in the same way, we offer a range of banking packages designed to meet the needs of each profile, with solutions adapted to your activity, your pace and your ambitions.

Discover all Professionals packages here

The Young Entrepreneur package is free for 1 year:

Launch your business with more freedom! The Young Entrepreneur package is now free for 1 year. It's the perfect opportunity to start and grow your projects and enjoy essential banking services free of charge right from the start. Take advantage of it now!

Cards :

Optimize your business management with cards designed to simplify your daily professional operations. Whether for travel, payments, or tracking expenses, BANK OF AFRICA offers solutions tailored to every business need.

Discover all Professionals cards here

Project financing solutions for professionals

BANK OF AFRICA supports you with professional financing solutions tailored to each need, regardless of your legal status (legal entity, personal business) and the life cycle of your business (in creation or development).

Operating credit: :

Fast financing ideal for strengthening your small business's cash flow or covering temporary liquidity needs. Flexible, it adapts to your entrepreneurial profile.

Investment credit :

A loan to invest in your business, finance professional equipment or modernize your premises, in order to support medium and long-term growth.

Intelak Credit :

Intelak Credit is intended to finance the investment and/or operating needs of businesses being created or created less than 5 years ago, with a turnover of less than 10 million Dirhams.

Leasing :

Access leasing solutions tailored to all your financing needs

Equipment leasing to finance the purchase of equipment (vehicles, machinery, IT equipment, etc.)
Real estate leasing to finance the purchase of commercial real estate, including office space and retail premises

Financing solutions for your personal projects:

Mortgage Loan:

To help you acquire your home, BMCE Bank offers a flexible and adaptable real estate financing solution tailored to your situation.

The BMCE Habitat Pro loan allows you to: :

Financing the acquisition of a new or old residential property
To build a dwelling for residential use
To carry out a complete real estate project including the purchase of the land and the construction

This mortgage solution supports you through every stage of your residential project, with flexible terms.

Consumer Credit :

The CONSO PRO loan allows you to finance your personal projects freely while preserving your cash flow, with flexible and fast financing terms, an amount of up to 100,000 DH over a maximum period of 48 months, and the possibility of full early repayment.

A comprehensive insurance offer

BANK OF AFRICA, in partnership with RMA Assurance and RMA Assistance, offers you a complete and personalized insurance package, designed to support your projects and protect what matters most to you.

It contains :

Savings solutions that adapt to your needs, your pace and your financial capabilities.
Insurance products designed to guarantee security against life's uncertainties.
Tailor-made support products designed for you and your family, to help you face unexpected events with complete peace of mind.

HSABATI PRO business management platform free for 1 year!

With HSABATI PRO, BANK OF AFRICA offers a management solution designed to simplify the daily operations of professionals. From invoicing and sales tracking to inventory management and business monitoring, centralize your operations on a single, intuitive platform accessible in real time.

Thanks to its automated features and user-friendly interface, HSABATI PRO helps you increase efficiency so you can focus fully on growing your business.

Resources to boost your small business

In addition to its financing solutions, BANK OF AFRICA offers comprehensive support to entrepreneurs. You benefit from personalized advice, tailored training, and awareness programs designed to help you grow your business.

You gain access to a robust entrepreneurial ecosystem comprised of leading partners such as professional associations, Regional Investment Centers, universities, and other key players supporting very small businesses in Morocco.

Your questions, our answers

BANK OF AFRICA offers a dedicated package, completely free for the first year, for entrepreneurs under 35 and women entrepreneurs. This offer includes all the essential banking products and services to facilitate the day-to-day management of their business.

Yes. The BMCE Direct PRO and BMCE Direct Entreprise platforms allow you to view and manage your accounts at any time, with the option to delegate certain operations to your accountant or trustee.

BANK of Africa, in partnership with RMA Assurance and RMA Assistance, offers a comprehensive insurance package based on three pillars:

Savings solutions: Tailored to your needs, your pace, and your financial capacity.
Protection products: Guaranteeing financial security against life's uncertainties.
Customized assistance products: Designed for you and your family to help you face unforeseen events with complete peace of mind.