PACT'TRANSMISSION (Business Transfer)

PACT'TRANSMISSION (Business Transfer)

Supports Moroccan firms through PACT'TRANSMISSION with expert-led planning for ownership transfer and structured succession readiness.

PACT'Transmission is a co-financing program administered by Maroc PME, Morocco's national public agency for SME promotion, designed to support ownership succession and business transfer in Moroccan TPMEs through a structured, progressive process. Business transmission — the handover of a company from one owner to the next — involves complex interdependencies across governance, legal, fiscal, and human resource dimensions, and the program funds expert intervention across all of them. Covered activities include an in-depth diagnostic to assess the company's situation and transmission needs, tailored expert accompaniment based on identified stakes, specialist intervention according to each company's specific governance and legal structure, and integration into public-private partnership networks dedicated to business transmission facilitation.

Maroc PME contributes 90% of eligible plan setup and deployment costs, capped at 1 MDH (one million Moroccan dirhams) per beneficiary. The 90% subsidy rate — shared with PACT'Restructuration and PACT'Organisation — is among the highest in the PACTE TPME suite. Eligibility follows the standard PACTE TPME criteria: Moroccan private-law companies with annual pre-tax turnover not exceeding 200 MDH in any completed fiscal year within the past three years. Applications are accepted continuously via candidatures.marocpme.gov.ma with no announced per-cycle deadline.

Maroc PME's stated expected impacts are economic stability of the enterprise through the ownership transition, employment preservation, and strengthened stakeholder confidence. TPMEs most likely to benefit from the program are family-owned businesses preparing a generational handover, founder-led companies approaching a planned exit, or businesses where ownership concentration creates succession risk. Engaging the program early — before a transmission is imminent — allows for a thorough diagnostic and gives time to implement the expert-recommended governance and legal restructuring before the formal transfer takes place.