Machroui Commerce

Machroui Commerce

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Machroui for Food Retail

Machroui li Tijaret al Mawad al Ghidhaeya

The Machroui food trade loan is designed to support entrepreneurs, retailers and small businesses engaged in selling, distributing or processing food products. This financing supports both local retail businesses (grocery shops, bakeries, butcher shops, greengrocers, snack bars, cafés, caterers, etc.) and more structured food distribution, catering and agri-food processing activities.

  • Independent entrepreneurs and shopkeepers operating grocery stores, minimarkets, fruit and vegetable shops, bakeries, butcher shops, pastry shops, cafés or snack bars.
  • Entrepreneurs involved in wholesale or semi-wholesale food distribution.
  • Young entrepreneurs wishing to open a food business in their neighbourhood or village.
  • Specialist suppliers or retailers (organic products, frozen foods, fast food, etc.) seeking to expand their product range or storage capacity.
  • Fitting out or renovating commercial premises (shelving, refrigerated display cases, electrical installations, tiling, signage, etc.);
  • Purchasing professional equipment (scales, freezers, ovens, fryers, counters, packaging, utensils, etc.);
  • Purchasing initial inventory or increasing stock to meet demand;
  • Strengthening working capital to manage day-to-day expenses (salaries, purchases, transport, bills, etc.);
  • Investing in digital tools for sales and payment management (electronic tills, inventory tracking applications).

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Clothing and Textile Trade

Machroui li Tijarat al Nasij

The Machroui clothing and textile trade loan is intended for entrepreneurs, retailers and small businesses engaged in selling, distributing or producing clothing and textiles.

  • Small independent retailers selling clothing and accessories in neighbourhoods and town centres.
  • Young entrepreneurs wishing to open a textile shop or sewing workshop.
  • Entrepreneurs specialising in the production and sale of made-to-measure clothing.
  • Textile distributors (fabrics, haberdashery, household linen) wishing to broaden their range or increase seasonal stock.
  • Seasonal shops targeting periods of high demand (holidays, back-to-school season, local events).
  • Fitting out and renovating commercial premises or workshops (display windows, lighting, shelving, fitting rooms, decoration);
  • Purchasing professional equipment (sewing machines, presses, hangers, shelves, display cases, payment systems);
  • Purchasing goods or raw materials to build an attractive, diversified stock;
  • Working capital to cover ongoing expenses (salaries, rent, marketing, logistics);
  • Digital and marketing development (e-commerce website, electronic till, inventory management software).

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Spare Parts Trade

Machroui li Tijarat Kitaa al Ghiyar

The Machroui spare parts trade loan supports entrepreneurs, retailers and small businesses involved in selling, distributing or storing spare parts for vehicles, industrial machinery, household appliances or electronic equipment.

  • Independent retailers specialising in spare parts for cars, motorcycles, household appliances or electronics.
  • Small businesses distributing spare parts for vehicles or industrial equipment.
  • Repair shops and garages wishing to diversify their offering or secure their supplies.
  • Entrepreneurs specialising in wholesale or semi-wholesale spare-parts distribution.
  • Seasonal shops or shops located in areas with strong automotive or industrial demand.
  • Purchasing stocks of spare parts for vehicles, machinery or other equipment;
  • Fitting out or renovating commercial premises (shelving, display cases, secure storage, signage);
  • Acquiring management and logistics equipment (electronic tills, inventory management software, part-number tracking systems);
  • Working capital to cover salaries, rent, transport and other operating expenses;
  • Marketing and communication investments to increase visibility and build customer loyalty.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Building Materials and Sanitaryware Trade

Machroui li Tijarat al Mawad Al binaeya w al Siheya

The Machroui building materials and sanitaryware trade loan supports entrepreneurs, retailers and small businesses involved in selling and distributing construction materials, plumbing equipment, sanitaryware and building accessories.

  • Independent retailers specialising in building materials and sanitary equipment.
  • Small distribution businesses serving tradespeople, bricklayers, plumbers and individuals.
  • Entrepreneurs seeking to open or develop a specialised building-materials and sanitaryware shop.
  • Wholesale or semi-wholesale retailers supplying other shops or construction sites.
  • Seasonal retail outlets or those located in areas with high levels of property development and construction.

Be aged between 18 and 68

  • Purchasing building materials (cement, bricks, sand, timber, iron, tiles, paint);
  • Purchasing sanitary and plumbing equipment (washbasins, bathtubs, toilets, taps, pipes, water heaters);
  • Fitting out or renovating the retail outlet (shelving, warehouses, secure storage areas);
  • Acquiring management and logistics tools (electronic tills, inventory management software and customer tracking);
  • Working capital to cover salaries, rent, transport and other operating expenses;
  • Marketing and communication investments to improve visibility and customer loyalty.
  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Jewellery Trade

Machroui li Tijarat al Masough

The Machroui jewellery trade loan supports entrepreneurs, retailers and small businesses involved in selling, distributing or producing fine jewellery, fashion jewellery and accessories.

  • Independent retailers in shopping streets, shopping centres or tourist areas.
  • Young entrepreneurs wishing to open a jewellery shop or specialised retail outlet.
  • Small family businesses making and selling handmade or traditional jewellery.
  • Seasonal or pop-up shops targeting periods of high demand (holidays, weddings, cultural events).
  • Specialist distributors of fine or fashion jewellery seeking to expand their product range and customer base.
  • Purchasing jewellery and accessories inventory to create a complete, attractive offering;
  • Fitting out and securing retail premises (reinforced display cases, security systems, lighting, shelving);
  • Acquiring sales management and tracking equipment (inventory software, electronic tills, traceability systems);
  • Working capital to cover operating expenses (salaries, rent, transport, communication);
  • Marketing and digitalisation investments to improve visibility, strengthen customer loyalty and develop online sales.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Poultry Trade

Machroui li Tijarat al Dawajin

The Machroui poultry trade loan supports entrepreneurs, retailers and small operators involved in buying, selling and distributing chickens, turkeys, ducks, eggs and other poultry products.

  • Poultry and egg retailers (retailers, wholesalers, local markets).
  • Small-scale breeders wishing to sell their produce directly to markets or restaurants.
  • Seasonal entrepreneurs targeting periods of high demand (religious holidays, regional markets, events).
  • Purchasing poultry for direct resale or to supply shops and restaurants;
  • Equipment and infrastructure (cages, enclosures, sheds, heating or ventilation systems, weighing and storage equipment);
  • Feed and veterinary care to maintain poultry health and quality;
  • Working capital to cover operating costs (transport, salaries, logistics, packaging).

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui E-commerce

Machroui li Tijarat al Mawad al Electroneya

The Machroui e-commerce loan is designed for entrepreneurs, start-ups and small businesses seeking to develop an online retail business.

  • Young entrepreneurs and start-ups wishing to launch an online sales website or application.
  • Traditional retailers wishing to digitalise their business and reach a wider customer base.
  • Small family businesses seeking to create an online store to sell handmade or local products.
  • Distributors and wholesalers seeking to sell directly to consumers through e-commerce.
  • Seasonal businesses targeting peak demand with online promotions.
  • Creating or improving an e-commerce platform (website, online shop, mobile application);
  • Purchasing stock and products to ensure availability and a varied offering;
  • Logistics infrastructure (warehouses, storage systems, packaging and delivery);
  • Digital management tools (order management software, CRM, payment solutions, customer tracking);
  • Marketing and digital communication investments (online advertising, social media campaigns, search engine optimisation, promotions);
  • Working capital to cover operating expenses, salaries and delivery costs.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Seafood Trade

Machroui li Tijarat al Mawarid al Bahreya

The Machroui seafood trade loan supports entrepreneurs, retailers and small operators engaged in buying, processing and selling seafood, including fish, crustaceans, molluscs and other marine resources.

  • Seafood retailers (retailers, wholesalers, fishmongers).
  • Small operators and fishers wishing to add value to their catch in local or regional markets.
  • Agri-food entrepreneurs involved in processing and distributing seafood products.
  • Fishing cooperatives and groups wishing to improve purchasing, storage and distribution capacity.
  • Restaurants and hotels seeking a reliable supply of fresh seafood.
  • Purchasing marine products for direct resale or processing;
  • Storage and preservation equipment (cold rooms, coolers, freezers, packaging);
  • Logistics investments for safe, rapid transport and distribution;
  • Working capital to cover stock replenishment, salaries, logistics and operating expenses;
  • Digitalisation and management investments for stock monitoring and product traceability.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Second-Hand Clothing and Goods Trade

Machroui li Tijarat al Malabis w al Mawad al Mostaamala

The Machroui second-hand clothing and materials trade loan supports entrepreneurs, retailers and small businesses engaged in selling, distributing and giving new value to used clothing, accessories and materials.

  • Independent retailers specialising in second-hand clothing and accessories.
  • Small businesses reselling used materials for processing or recycling.
  • Entrepreneurs wishing to open or develop a shop specialising in second-hand clothing and recyclable materials.
  • Seasonal shops or markets targeting periods of high demand (back-to-school season, holidays, tourist seasons).
  • Collectors and distributors of recyclable materials seeking to secure supplies and develop their business.
  • Purchasing second-hand clothing and accessories (clothes, shoes, bags, assorted textiles);
  • Acquiring used materials (wood, metal, plastic, scrap metal, recyclable materials) for resale or processing;
  • Fitting out the shop or warehouse (shelving, display cases, sorting areas and secure storage);
  • Management and logistics equipment (electronic tills, inventory software, tracking of goods received and dispatched);
  • Working capital to cover salaries, rent, transport and other operating expenses
  • Marketing and communication investments to increase visibility and build customer loyalty.
Be aged between 18 and 68
  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Apply for Financing

Machroui Cosmetics Trade

Machroui li Tijarat al Mawad al Tajmileya

The Machroui cosmetics trade loan supports entrepreneurs, retailers and small businesses seeking to establish, develop or modernise a business in the beauty and personal care products sector.

  • Independent retailers selling cosmetics in neighbourhoods, shopping centres or specialist markets.
  • Young entrepreneurs wishing to establish a specialised cosmetics outlet or online shop.
  • Small family businesses distributing or locally manufacturing beauty products.
  • Beauty institutes, hair salons and spas seeking to source quality cosmetic products.
  • Seasonal or pop-up shops targeting high-demand periods (holidays, back-to-school season, promotional events).
  • Fitting out and renovating the outlet (displays, windows, lighting, interior decoration);
  • Purchasing cosmetic product stocks to offer a varied and attractive range;
  • Acquiring management and storage equipment (electronic tills, inventory management software, refrigerated display cases for certain products);
  • Working capital to cover operating expenses (salaries, rent, advertising, logistics);
  • Marketing and digitalisation investments to improve visibility, customer retention and online sales.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Medical and Paramedical Supplies Trade

Machroui li Tijarat al Mawad al Tibeya w Chibh Tibeya

The Machroui medical and paramedical supplies trade loan supports entrepreneurs, retailers and small businesses seeking to establish, develop or modernise a business specialising in selling and distributing medical and paramedical equipment.

  • Independent retailers specialising in medical and paramedical supplies.
  • Small distribution businesses serving clinics, hospitals, medical practices and individuals.
  • Entrepreneurs wishing to open or develop a specialised medical and paramedical supply outlet.
  • Suppliers serving healthcare professionals (pharmacies, laboratories, physiotherapy practices, care centres).
  • Seasonal outlets or those in areas of high medical demand, particularly near healthcare facilities.
  • Purchasing medical and paramedical supply stocks to provide a complete and varied range;
  • Fitting out or renovating the premises (shelving, display cases, secure storage areas, temperature monitoring systems where necessary);
  • Acquiring management and logistics equipment (electronic tills, inventory and customer management software, product traceability);
  • Working capital to cover salaries, rent, transport and other operating expenses;
  • Marketing and communication investments to improve visibility, customer loyalty and sales to professionals and individuals.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Household and Decorative Goods Trade

Machroui li Tijarat al Mawadal Manzileya w al Tazwik

The Machroui household and decorative goods trade loan supports entrepreneurs, retailers and small businesses seeking to establish, develop or modernise a business specialising in:

  • Selling household items (kitchen utensils, tableware, small appliances, household linen, storage accessories);
  • Selling indoor and outdoor decorative items (ornaments, lighting, picture frames, small furniture, decorative plants and textiles);
  • Distributing or reselling imported or locally produced home-improvement items.
  • Independent neighbourhood and town-centre retailers selling household and decorative products.
  • Young entrepreneurs wishing to open a specialist shop or decoration workshop.
  • Small family businesses distributing homeware.
  • Seasonal shops targeting periods of high demand (religious and national holidays, back-to-school season, tourist periods).
  • Specialist distributors wishing to broaden their range of household or decorative products.
  • Financing the fitting out or renovation of the retail outlet (shelving, display windows, lighting, shop decoration);
  • Purchasing initial inventory or replenishing stock according to trends and seasons;
  • Purchasing equipment needed for commercial management (electronic tills, sales and inventory management software);
  • Strengthening working capital to cover current expenses and anticipate seasonal fluctuations in demand;
  • Developing communication and marketing (product promotion, in-store activities, online sales).

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Livestock Trade

Machroui li Tijarat al Machiya

The Machroui livestock trade loan supports entrepreneurs, traders and livestock operators seeking to buy, sell or process farm animals.

  • Retailers specialising in buying and reselling livestock.
  • Breeders wishing to develop their commercial activity by selling directly to markets, butcher shops or distribution centres.
  • Agricultural entrepreneurs or cooperatives trading livestock and related products (milk, meat, wool).
  • Small seasonal businesses targeting periods of high demand (religious holidays, regional markets, agricultural events).
  • Purchasing livestock for direct resale or processing;
  • Infrastructure and equipment (pens, sheds, shelters, handling equipment);
  • Veterinary care and livestock feed to maintain their health and value;
  • Working capital to cover operating expenses (transport, salaries, feed, veterinary care, logistics).

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

Machroui Seasonal Trade

Machroui al Mawsimi lil Tijara

The Machroui seasonal trade loan supports entrepreneurs, retailers and small businesses whose activities are highly seasonal (holidays, tourist seasons, special events, back-to-school periods, Ramadan, etc.).

  • Seasonal traders operating at markets, fairs, festivals or in tourist areas.
  • Small businesses whose trading activity depends on specific periods (textiles, toys, food products, decorations, seasonal items).
  • Entrepreneurs wishing to develop temporary or pop-up activities to benefit from peaks in demand.
  • Existing shops wishing to temporarily increase stock or sales capacity during high-consumption seasons.
  • Purchasing seasonal goods to meet temporary or specific demand;
  • Temporarily fitting out or equipping the retail outlet or market stall;
  • Management and logistics tools (electronic tills, sales tracking software, special packaging);
  • Working capital to cover salaries, rent, transport and other expenses related to seasonal activity;
  • Marketing and communication investments to attract customers during peak selling periods.

Be aged between 18 and 68

  • Copy of identity card
  • Proof of business activity (lease agreement or title deed for the premises, commercial registration, aged 18 to 68)
  • Present an identity document and proof of address
  • business licence or other documents, etc.)
  • Proof of address (STEG/SONEDE bills or other documents)
  • Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)

Note: This list is not exhaustive and depends on the nature of the business activity.

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