{"id":11526,"date":"2023-05-24T10:51:56","date_gmt":"2023-05-24T15:51:56","guid":{"rendered":"https:\/\/accordfinancial.com\/?p=11526"},"modified":"2023-05-24T10:55:04","modified_gmt":"2023-05-24T15:55:04","slug":"prets-sur-actifs-vs-prets-traditionnels","status":"publish","type":"post","link":"https:\/\/accordfinancial.com\/fr\/latest\/2023\/05\/asset-based-lending-vs-traditional-lending\/","title":{"rendered":"Pr\u00eats sur actifs vs pr\u00eats traditionnels"},"content":{"rendered":"<h2 class=\"wp-block-heading\">Qu&#039;est-ce qu&#039;un pr\u00eat sur actifs ?<\/h2>\n\n\n\n<p><a href=\"https:\/\/accordfinancial.com\/fr\/prestations-de-service\/prets-sur-actifs\/\">Pr\u00eats sur actifs<\/a> sont comme une ligne de cr\u00e9dit renouvelable, dont la taille est d\u00e9termin\u00e9e par la valeur de la garantie mise en place pour le pr\u00eat. La garantie peut comprendre les comptes d\u00e9biteurs, les stocks, les machines, l&#039;\u00e9quipement et\/ou les biens immobiliers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelle est la diff\u00e9rence entre les pr\u00eats sur actifs et les produits propos\u00e9s par les pr\u00eateurs bancaires traditionnels ?<\/h2>\n\n\n\n<p>Bien que les pr\u00eateurs sur actifs et les \u00e9tablissements de cr\u00e9dit traditionnels fournissent des financements aux entreprises, un pr\u00eat bancaire traditionnel diff\u00e8re de plusieurs mani\u00e8res. La plus grande diff\u00e9rence est que les banques d\u00e9terminent le risque en fonction des capitaux propres tangibles d&#039;un emprunteur potentiel, c&#039;est-\u00e0-dire la solidit\u00e9 du bilan, alors que les pr\u00eateurs sur actifs se tournent d&#039;abord vers les garanties.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-1024x683.jpg\" alt=\"Services d&#039;accord de pr\u00eat bas\u00e9 sur l&#039;actif\" class=\"wp-image-717\" srcset=\"https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-1024x683.jpg 1024w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-576x384.jpg 576w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-768x512.jpg 768w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-1080x720.jpg 1080w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-300x200.jpg 300w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-1536x1024.jpg 1536w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2020\/05\/accord-services-ar-financing-hero-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi une facilit\u00e9 de pr\u00eat bas\u00e9e sur l&#039;actif est-elle plus avantageuse pour certaines entreprises\u00a0?<\/h2>\n\n\n\n<p>Dans de nombreux cas, les petites entreprises n&#039;ont pas de longs ant\u00e9c\u00e9dents \u00e0 \u00e9valuer par la banque, ou peuvent ne pas avoir un bilan suffisamment solide. M\u00eame si ces entreprises connaissent une croissance rapide et que les op\u00e9rations de la soci\u00e9t\u00e9 emprunteuse se portent bien, elles peuvent ne pas respecter les normes de pr\u00eat bancaires traditionnelles.&nbsp;<\/p>\n\n\n\n<p>Les normes des institutions financi\u00e8res conventionnelles peuvent \u00eatre difficiles \u00e0 respecter et les banques exigent souvent des emprunteurs qu&#039;ils respectent des obligations \u00e9lev\u00e9es. Les pr\u00eats sur actifs impliquent moins ou m\u00eame pas de clauses financi\u00e8res.<\/p>\n\n\n\n<p>Les soci\u00e9t\u00e9s de pr\u00eat sur actifs sont \u00e9galement plus flexibles lorsqu&#039;il s&#039;agit d&#039;augmenter le montant que vous pouvez emprunter. Alors que les banques peuvent exiger un audit approfondi ou une toute nouvelle demande d&#039;augmentation de pr\u00eat, les soci\u00e9t\u00e9s ABL peuvent simplement examiner la valeur de votre garantie pour approuver un financement suppl\u00e9mentaire. Ceci est particuli\u00e8rement vrai pour <a href=\"https:\/\/accordfinancial.com\/fr\/prestations-de-service\/financement-des-comptes-clients-affacturage\/\">financement des comptes clients<\/a>, o\u00f9 votre disponibilit\u00e9 (ou le montant que vous pouvez emprunter) augmente avec vos ventes.<\/p>\n\n\n\n<p>Pour des entreprises comme <a href=\"https:\/\/accordfinancial.com\/fr\/\">Financi\u00e8re Accord<\/a>, l&#039;accent est mis sur les comptes clients et autres actifs de l&#039;entreprise. Leur valeur pour les petites et moyennes entreprises r\u00e9side dans la rapidit\u00e9 et la flexibilit\u00e9 avec lesquelles elles peuvent fournir des flux de tr\u00e9sorerie, lib\u00e9rer la valeur des actifs d&#039;une entreprise et les exploiter pour une croissance future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c0 quoi mon entreprise peut-elle utiliser un pr\u00eat adoss\u00e9 \u00e0 des actifs\u00a0?<\/h2>\n\n\n\n<p>Si vous \u00eates une petite ou moyenne entreprise, les pr\u00eats sur actifs peuvent \u00eatre la solution id\u00e9ale, en particulier dans les cas suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Refinancement\u00a0:<\/strong> Un pr\u00eat sur actifs peut \u00eatre une excellente option pour les entreprises qui ont besoin de r\u00e9organiser et de restructurer leurs dettes. Un pr\u00eateur sur actifs peut vous aider \u00e0 d\u00e9couvrir des conditions de pr\u00eat plus favorables, \u00e0 r\u00e9duire votre risque global et \u00e0 acc\u00e9der \u00e0 plus de liquidit\u00e9s.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Croissance rapide:<\/strong> Les petites et moyennes entreprises (PME) qui se d\u00e9veloppent rapidement doivent \u00eatre agiles pour poursuivre leur croissance et, dans de nombreux cas, la rapidit\u00e9 avec laquelle elles peuvent acc\u00e9der au fonds de roulement est beaucoup plus pratique.&nbsp;<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Restructuration:<\/strong> Toute entreprise, quelle que soit sa taille, peut conna\u00eetre des difficult\u00e9s financi\u00e8res n\u00e9cessitant des modifications importantes de sa structure op\u00e9rationnelle en raison de changements de strat\u00e9gie. Une solution de pr\u00eat bas\u00e9e sur les actifs flexible et rationalis\u00e9e peut \u00eatre la meilleure pendant les p\u00e9riodes difficiles.&nbsp;<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Acquisitions, fusions, rachats et cessions :<\/strong> Certaines entreprises ont besoin d&#039;augmenter leur tr\u00e9sorerie afin de se pr\u00e9parer \u00e0 une vente, un rachat par la direction, une fusion, un transfert de propri\u00e9t\u00e9, etc. - transactions croustillantes.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Le temps presse<\/h2>\n\n\n\n<p>En ce qui concerne les pr\u00eats sur actifs par rapport aux pr\u00eats bancaires traditionnels, chaque entreprise devra prendre la d\u00e9cision qui lui convient le mieux.&nbsp;<\/p>\n\n\n\n<p>Les entreprises \u00e0 la recherche d&#039;un pr\u00eat bancaire devront satisfaire \u00e0 des normes de pr\u00eat bancaires internes strictes, et le processus de pr\u00eat de la banque est souvent lent et fastidieux. Les banques refusent souvent de pr\u00eater aux entreprises dont le ratio dette\/capital est sup\u00e9rieur \u00e0 4 pour 1. Les pr\u00eats sur actifs peuvent fournir le financement flexible du fonds de roulement dont vous avez besoin pour g\u00e9rer tout ce qui se pr\u00e9sente \u00e0 vous, et moins de paperasserie.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-1024x683.jpeg\" alt=\"Adobe Stock 488529472\" class=\"wp-image-7336\" srcset=\"https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-1024x683.jpeg 1024w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-300x200.jpeg 300w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-768x512.jpeg 768w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-1536x1024.jpeg 1536w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-2048x1365.jpeg 2048w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-18x12.jpeg 18w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-576x384.jpeg 576w, https:\/\/accordfinancial.com\/wp-content\/uploads\/2022\/07\/AdobeStock_488529472-1080x720.jpeg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Accord Financial a la solution dont vous avez besoin<\/h2>\n\n\n\n<p>Pour une approche plus flexible et adapt\u00e9e aux besoins de votre entreprise, contactez Accord Financial d\u00e8s aujourd&#039;hui. Nous fournissons r\u00e9guli\u00e8rement des pr\u00eats flexibles reposant sur des actifs avec rapidit\u00e9 et transparence, et avons fourni un financement reposant sur des actifs \u00e0 un large \u00e9ventail d&#039;entreprises, y compris des fabricants, des grossistes, des distributeurs, des d\u00e9taillants, des importateurs, des exportateurs et bien d&#039;autres.&nbsp;<\/p>\n\n\n\n<p>Nous nous familiariserons avec votre march\u00e9, votre mod\u00e8le de vente et votre \u00e9quipe, et vous aiderons \u00e0 faire passer votre entreprise au niveau sup\u00e9rieur gr\u00e2ce \u00e0 des solutions de financement rentables. Ils peuvent d\u00e9bloquer la valeur de vos actifs et vous fournir un pr\u00eat ABL flexible allant de $1 million \u00e0 $20 million.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50\"><a class=\"wp-block-button__link has-text-color has-background\" href=\"https:\/\/accordfinancial.com\/fr\/formulaire-de-contact\/\" style=\"background-color:#ffb81c;color:#4c4c4e\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ENTRER EN CONTACT<\/strong><\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Les entreprises de toutes tailles ont besoin de flux de tr\u00e9sorerie sains pour prosp\u00e9rer, et il existe de nombreuses options pour obtenir le capital dont elles ont besoin. Pour certaines entreprises, la meilleure voie est d&#039;utiliser les pr\u00eats bancaires traditionnels, et pour d&#039;autres, l&#039;utilisation de pr\u00eateurs ind\u00e9pendants bas\u00e9s sur l&#039;actif est le choix optimal.<\/p>","protected":false},"author":9,"featured_media":717,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"location":[],"class_list":["post-11526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>05\/24\/2023 | Asset-Based Lending vs Traditional Lending | Accord Financial<\/title>\n<meta name=\"description\" content=\"Learn the differences between asset-based loans and products offered by traditional bank lenders, and how to choose what is best 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