{"id":21,"date":"2026-08-14T09:24:06","date_gmt":"2026-08-14T07:24:06","guid":{"rendered":"https:\/\/afr-la-rochelle.fr\/index.php\/credit-professionnel\/"},"modified":"2026-08-14T11:38:52","modified_gmt":"2026-08-14T09:38:52","slug":"credit-professionnel","status":"publish","type":"page","link":"https:\/\/afr-la-rochelle.fr\/index.php\/credit-professionnel\/","title":{"rendered":"Cr\u00e9dit professionnel"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"21\" class=\"elementor elementor-21\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c74557f elementor-section-boxed afr-page-head elementor-section-height-default elementor-section-height-default\" data-id=\"c74557f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8b67388\" data-id=\"8b67388\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05af7a5 afr-fil elementor-widget elementor-widget-text-editor\" data-id=\"05af7a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/afr-la-rochelle.fr\/\">Accueil<\/a> \u203a Cr\u00e9dit professionnel<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ded55d afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"4ded55d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit professionnel &amp; immobilier<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47eced6 elementor-widget elementor-widget-heading\" data-id=\"47eced6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit professionnel et immobilier d'entreprise \u00e0 La Rochelle<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45b9747 afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"45b9747\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Cr\u00e9ation, reprise, achat de murs, rachat de parts : je monte votre dossier et le d\u00e9fends aupr\u00e8s de plus de trente partenaires bancaires et sp\u00e9cialis\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6aea3e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6aea3e4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5517a40\" data-id=\"5517a40\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f23c302 afr-b-accent elementor-widget elementor-widget-button\" data-id=\"f23c302\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"http:\/\/[afr_url%20slug=contact]\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Je parle de mon projet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5c66010\" data-id=\"5c66010\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78f891d afr-b-contour elementor-widget elementor-widget-button\" data-id=\"78f891d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+33546514480\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">05 46 51 44 80<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9df87cb elementor-section-boxed afr-illustration elementor-section-height-default elementor-section-height-default\" data-id=\"9df87cb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6726753\" data-id=\"6726753\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c12b333 elementor-widget elementor-widget-shortcode\" data-id=\"c12b333\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><figure class=\"afr-illus\"><img loading=\"lazy\" class=\"afr-illus__img\" src=\"https:\/\/afr-la-rochelle.fr\/wp-content\/plugins\/afr-outils\/assets\/img\/photo-credit-professionnel.jpg\" alt=\"Dirigeant d&#039;entreprise en rendez-vous de financement\" width=\"1600\" height=\"720\" loading=\"lazy\" decoding=\"async\"><\/figure><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3230263 afr-legende elementor-widget elementor-widget-text-editor\" data-id=\"3230263\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sur un dossier professionnel, la nature des garanties p\u00e8se souvent plus que le taux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef20df1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef20df1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-60 elementor-top-column elementor-element elementor-element-7b10cb3\" data-id=\"7b10cb3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c82f314 elementor-widget elementor-widget-heading\" data-id=\"c82f314\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Financer l'investissement qui fait grandir votre entreprise<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2dbfe elementor-widget elementor-widget-text-editor\" data-id=\"6c2dbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le cr\u00e9dit professionnel amortissable reste l&rsquo;outil central du d\u00e9veloppement : il finance ce qui a une dur\u00e9e de vie longue \u2014 des murs, un fonds de commerce, des parts sociales, un outil de production \u2014 en \u00e9talant l&rsquo;effort sur la dur\u00e9e pendant laquelle l&rsquo;actif produit de la valeur.<\/p><p>Mon r\u00f4le est d&rsquo;aligner trois param\u00e8tres que les dirigeants arbitrent souvent \u00e0 l&rsquo;aveugle : la <strong>dur\u00e9e<\/strong>, les <strong>garanties<\/strong> et le <strong>taux<\/strong>. Sur un dossier professionnel, la nature des garanties exig\u00e9es a fr\u00e9quemment plus d&rsquo;impact qu&rsquo;un \u00e9cart de quelques points de base.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d47def6 elementor-widget elementor-widget-heading\" data-id=\"d47def6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ce que je finance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5caedc afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"f5caedc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li>Cr\u00e9ation d&rsquo;entreprise et primo-installation<\/li><li>Reprise de fonds de commerce, rachat de titres ou de parts sociales<\/li><li>Achat de locaux professionnels, entrep\u00f4ts, bureaux, cabinets<\/li><li>Construction, extension, r\u00e9novation et mise aux normes<\/li><li>Travaux d&rsquo;agencement et de r\u00e9novation \u00e9nerg\u00e9tique<\/li><li>Croissance externe et op\u00e9rations de LBO de petite taille<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-40 elementor-top-column elementor-element elementor-element-d359a1b\" data-id=\"d359a1b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c22bfd elementor-widget elementor-widget-heading\" data-id=\"3c22bfd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Rep\u00e8res de march\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f59c9 afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"78f59c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Montants<\/strong> \u2014 de 25 000 \u20ac \u00e0 plusieurs millions d&rsquo;euros<\/li><li><strong>Dur\u00e9es<\/strong> \u2014 2 \u00e0 7 ans en mat\u00e9riel, 7 \u00e0 15 ans en immobilier<\/li><li><strong>Apport<\/strong> \u2014 0 \u00e0 30 % selon le projet et l&rsquo;anciennet\u00e9<\/li><li><strong>D\u00e9lai<\/strong> \u2014 2 \u00e0 6 semaines entre le d\u00e9p\u00f4t et le d\u00e9blocage<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e516c59 afr-note elementor-widget elementor-widget-text-editor\" data-id=\"e516c59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ordres de grandeur indicatifs, susceptibles de varier selon votre dossier et les conditions de march\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7796128 elementor-section-boxed afr-section--sable elementor-section-height-default elementor-section-height-default\" data-id=\"7796128\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aff6e61\" data-id=\"aff6e61\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2925a34 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"2925a34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Immobilier d'entreprise<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27c9a1e elementor-widget elementor-widget-heading\" data-id=\"27c9a1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Acheter vos murs plut\u00f4t que payer un loyer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce8a01f afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"ce8a01f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 La Rochelle, la tension sur les locaux d&rsquo;activit\u00e9 \u2014 P\u00e9rigny, Angoulins, la zone portuaire, Puilboreau \u2014 rend l&rsquo;acquisition d&rsquo;autant plus strat\u00e9gique.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cfa47c elementor-widget elementor-widget-spacer\" data-id=\"6cfa47c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-72f1ea1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72f1ea1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33.33 elementor-top-column elementor-element elementor-element-8670b6d\" data-id=\"8670b6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78cf603 elementor-widget elementor-widget-heading\" data-id=\"78cf603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit amortissable classique<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f70af14 elementor-widget elementor-widget-text-editor\" data-id=\"f70af14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;entreprise ou une SCI emprunte et devient propri\u00e9taire d\u00e8s l&rsquo;origine. Solution la plus simple, elle demande g\u00e9n\u00e9ralement un apport et des garanties r\u00e9elles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.33 elementor-top-column elementor-element elementor-element-c1562ea\" data-id=\"c1562ea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-98b90e4 elementor-widget elementor-widget-heading\" data-id=\"98b90e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dit-bail immobilier<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c79f1c elementor-widget elementor-widget-text-editor\" data-id=\"8c79f1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;organisme ach\u00e8te le bien et vous le loue avec option d&rsquo;achat. Financement jusqu&rsquo;\u00e0 100 % du prix, loyers d\u00e9ductibles, dur\u00e9es longues \u2014 mais un co\u00fbt global sup\u00e9rieur et une sortie \u00e0 anticiper.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.33 elementor-top-column elementor-element elementor-element-dbad513\" data-id=\"dbad513\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9a94602 elementor-widget elementor-widget-heading\" data-id=\"9a94602\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Montage en SCI<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437f63f elementor-widget elementor-widget-text-editor\" data-id=\"437f63f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>S\u00e9parer l&rsquo;immobilier de l&rsquo;exploitation prot\u00e8ge l&rsquo;actif et pr\u00e9pare la transmission. Le sch\u00e9ma se construit avec votre expert-comptable : je me charge du financement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-663db21 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"663db21\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b249a6d\" data-id=\"b249a6d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67c3bef afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"67c3bef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Points d'attention<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c62480e elementor-widget elementor-widget-heading\" data-id=\"c62480e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce qui fait basculer un dossier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a34bfe elementor-widget elementor-widget-spacer\" data-id=\"5a34bfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4256172 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4256172\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f6694ea\" data-id=\"f6694ea\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a064514 elementor-widget elementor-widget-heading\" data-id=\"a064514\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La coh\u00e9rence du plan de financement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95d1e60 elementor-widget elementor-widget-text-editor\" data-id=\"95d1e60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Un comit\u00e9 de cr\u00e9dit ne finance pas un projet, il finance une capacit\u00e9 de remboursement. Je v\u00e9rifie que la mensualit\u00e9 projet\u00e9e reste absorbable par votre exc\u00e9dent brut d&rsquo;exploitation, y compris en sc\u00e9nario d\u00e9grad\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1cec850\" data-id=\"1cec850\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0a50ec5 elementor-widget elementor-widget-heading\" data-id=\"0a50ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">La question des garanties<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0de2474 elementor-widget elementor-widget-text-editor\" data-id=\"0de2474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Caution personnelle, nantissement, hypoth\u00e8que : ces demandes se n\u00e9gocient. Les dispositifs publics ou mutualistes (Bpifrance, SIAGI, SOCAMA, France Active) r\u00e9duisent souvent l&rsquo;exposition de votre patrimoine personnel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1438ae3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1438ae3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8e4379e\" data-id=\"8e4379e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e0d3d6 elementor-widget elementor-widget-heading\" data-id=\"4e0d3d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Le calendrier<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97c58b2 elementor-widget elementor-widget-text-editor\" data-id=\"97c58b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Une promesse de vente fixe des d\u00e9lais serr\u00e9s. Lancer la recherche d\u00e8s la signature \u00e9vite d&rsquo;avoir \u00e0 demander une prorogation en position de faiblesse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f4d3018\" data-id=\"f4d3018\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c52916a elementor-widget elementor-widget-heading\" data-id=\"c52916a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">L'assurance emprunteur<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dc9c2f elementor-widget elementor-widget-text-editor\" data-id=\"7dc9c2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Sur un cr\u00e9dit long, elle p\u00e8se lourd et n&rsquo;est pas obligatoirement souscrite aupr\u00e8s du pr\u00eateur. Je compare garanties et quotit\u00e9s entre associ\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65cce87 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65cce87\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9eee120\" data-id=\"9eee120\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b7db7b2 elementor-section-boxed afr-cta elementor-section-height-default elementor-section-height-default\" data-id=\"b7db7b2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-561f4c9\" data-id=\"561f4c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec5efc1 elementor-widget elementor-widget-heading\" data-id=\"ec5efc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un projet \u00e0 financer ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fc89704 elementor-widget elementor-widget-text-editor\" data-id=\"fc89704\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9crivez-moi votre besoin en deux minutes. Je reviens vers vous sous 48 h ouvr\u00e9es avec un premier avis de faisabilit\u00e9, sans engagement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-08836ed elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"08836ed\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a13b805\" data-id=\"a13b805\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ab9d19 afr-b-accent elementor-align-right elementor-widget elementor-widget-button\" data-id=\"2ab9d19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"tel:+33546514480\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">05 46 51 44 80<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a98bf5f\" data-id=\"a98bf5f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72ec59a afr-b-fantome elementor-align-left elementor-widget elementor-widget-button\" data-id=\"72ec59a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:la-rochelle@afrfinancement.fr\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">la-rochelle@afrfinancement.fr<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-21","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/21","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/comments?post=21"}],"version-history":[{"count":1,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/21\/revisions"}],"predecessor-version":[{"id":43,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/21\/revisions\/43"}],"wp:attachment":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/media?parent=21"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}