{"id":80,"date":"2026-08-14T11:38:52","date_gmt":"2026-08-14T09:38:52","guid":{"rendered":"https:\/\/afr-la-rochelle.fr\/index.php\/courtage-global\/"},"modified":"2026-08-14T11:38:52","modified_gmt":"2026-08-14T09:38:52","slug":"courtage-global","status":"publish","type":"page","link":"https:\/\/afr-la-rochelle.fr\/index.php\/courtage-global\/","title":{"rendered":"Courtage global"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"80\" class=\"elementor elementor-80\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f137040 elementor-section-boxed afr-page-head elementor-section-height-default elementor-section-height-default\" data-id=\"f137040\" 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-44d6f6d\" data-id=\"44d6f6d\" 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-f49ca5c afr-fil elementor-widget elementor-widget-text-editor\" data-id=\"f49ca5c\" 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 Courtage global<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c127176 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"c127176\" 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\">Courtage global &amp; ren\u00e9gociation<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c74bf9b elementor-widget elementor-widget-heading\" data-id=\"c74bf9b\" 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\">Courtage global : reprenez la main sur l'ensemble de vos financements<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc8c94c afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"bc8c94c\" 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>Ren\u00e9gociation, regroupement d&rsquo;encours, assurance emprunteur, financements alternatifs : un audit complet de votre dette professionnelle, puis une mise en concurrence sur tous les canaux.<\/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-bd1efe2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd1efe2\" 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-ae64be6\" data-id=\"ae64be6\" 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-305b533 afr-b-accent elementor-widget elementor-widget-button\" data-id=\"305b533\" 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-ce32e02\" data-id=\"ce32e02\" 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-3c3b4e3 afr-b-contour elementor-widget elementor-widget-button\" data-id=\"3c3b4e3\" 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-2029efe elementor-section-boxed afr-illustration elementor-section-height-default elementor-section-height-default\" data-id=\"2029efe\" 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-c74da58\" data-id=\"c74da58\" 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-fa3fb9e elementor-widget elementor-widget-shortcode\" data-id=\"fa3fb9e\" 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-courtage-global.jpg\" alt=\"Dirigeant et courtier examinant un plan 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-4001553 afr-legende elementor-widget elementor-widget-text-editor\" data-id=\"4001553\" 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 audit d&rsquo;encours prend une heure. Il fait gagner plusieurs milliers d&rsquo;euros dans un cas sur deux.<\/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-60bfff8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60bfff8\" 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-32a487c\" data-id=\"32a487c\" 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-9137b6f elementor-widget elementor-widget-heading\" data-id=\"9137b6f\" 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 seul dossier, toutes les pistes explor\u00e9es<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a693af7 elementor-widget elementor-widget-text-editor\" data-id=\"a693af7\" 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>La plupart des dirigeants consultent deux ou trois banques, puis choisissent la moins mauvaise offre. C&rsquo;est d\u00e9j\u00e0 mieux que rien, mais cela laisse de c\u00f4t\u00e9 l&rsquo;essentiel du march\u00e9 : organismes sp\u00e9cialis\u00e9s par secteur, soci\u00e9t\u00e9s de cr\u00e9dit-bail, fonds de dette priv\u00e9e, plateformes de financement participatif, dispositifs publics r\u00e9gionaux et nationaux.<\/p><p>Le courtage global consiste \u00e0 instruire une seule fois votre dossier, puis \u00e0 le faire circuler aupr\u00e8s de tous les canaux pertinents \u2014 y compris ceux auxquels vous n&rsquo;avez pas acc\u00e8s en direct, certains organismes ne travaillant que par apporteur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0e0cd0 elementor-widget elementor-widget-heading\" data-id=\"d0e0cd0\" 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 couvre la mission<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e00cf8d afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"e00cf8d\" 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>Audit de l&rsquo;ensemble de vos encours et de vos garanties en place<\/li><li>Ren\u00e9gociation de taux et rachat de cr\u00e9dits professionnels<\/li><li>Regroupement d&rsquo;encours pour retrouver de la capacit\u00e9 d&#8217;emprunt<\/li><li>Mise en concurrence de l&rsquo;assurance emprunteur<\/li><li>Recherche de financements alternatifs et compl\u00e9mentaires<\/li><li>Mobilisation des aides et garanties publiques<\/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-cb5ca7c\" data-id=\"cb5ca7c\" 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-c69216b elementor-widget elementor-widget-heading\" data-id=\"c69216b\" 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 j'examine en priorit\u00e9<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c57e69 afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"3c57e69\" 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>Taux, dur\u00e9e r\u00e9siduelle et indemnit\u00e9s de remboursement anticip\u00e9<\/li><li>Garanties donn\u00e9es et garanties devenues inutiles<\/li><li>Cautions personnelles encore en vigueur<\/li><li>Co\u00fbt r\u00e9el de l&rsquo;assurance emprunteur<\/li><li>Lignes court terme utilis\u00e9es en permanence<\/li><li>Aides et garanties publiques non mobilis\u00e9es<\/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\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02ddf6b elementor-section-boxed afr-section--sable elementor-section-height-default elementor-section-height-default\" data-id=\"02ddf6b\" 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-9ba879b\" data-id=\"9ba879b\" 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-de1b976 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"de1b976\" 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\">Les leviers<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb179a elementor-widget elementor-widget-heading\" data-id=\"cdb179a\" 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\">Quatre fa\u00e7ons de faire baisser le co\u00fbt de votre dette<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f35eb9 elementor-widget elementor-widget-spacer\" data-id=\"3f35eb9\" 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-dd84373 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"dd84373\" 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-b3423b3\" data-id=\"b3423b3\" 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-616685c elementor-widget elementor-widget-heading\" data-id=\"616685c\" 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\">Ren\u00e9gocier ou racheter<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eeb5dc2 elementor-widget elementor-widget-text-editor\" data-id=\"eeb5dc2\" 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 cr\u00e9dit sign\u00e9 il y a quatre ou cinq ans n&rsquo;a pas les conditions d&rsquo;aujourd&rsquo;hui. Selon l&rsquo;\u00e9cart de taux, le capital restant d\u00fb et les indemnit\u00e9s de remboursement anticip\u00e9, la ren\u00e9gociation devient rentable ou non : je fais le calcul avant d&rsquo;engager quoi que ce soit, et je vous le montre.<\/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-9d177f5\" data-id=\"9d177f5\" 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-8f6c55d elementor-widget elementor-widget-heading\" data-id=\"8f6c55d\" 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\">Regrouper pour respirer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b84f69d elementor-widget elementor-widget-text-editor\" data-id=\"b84f69d\" 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>Plusieurs cr\u00e9dits courts qui se cumulent \u00e9touffent la tr\u00e9sorerie sans que l&rsquo;endettement global soit excessif. Les rassembler sur une dur\u00e9e coh\u00e9rente avec la dur\u00e9e de vie des actifs redonne de l&rsquo;air \u2014 et rouvre la possibilit\u00e9 d&rsquo;un nouvel investissement.<\/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-22c711a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"22c711a\" 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-6f7a945\" data-id=\"6f7a945\" 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-5cf1327 elementor-widget elementor-widget-heading\" data-id=\"5cf1327\" 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\">Reprendre la main sur l'assurance<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-782767a elementor-widget elementor-widget-text-editor\" data-id=\"782767a\" 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;assurance emprunteur est presque toujours souscrite aupr\u00e8s du pr\u00eateur, sans comparaison. Sur un pr\u00eat long, c&rsquo;est souvent le deuxi\u00e8me poste de co\u00fbt. La d\u00e9l\u00e9gation est un droit : je la fais jouer, \u00e0 garanties au moins \u00e9quivalentes.<\/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-e4388d4\" data-id=\"e4388d4\" 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-4cb618d elementor-widget elementor-widget-heading\" data-id=\"4cb618d\" 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\">Aller chercher ailleurs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ac2487 elementor-widget elementor-widget-text-editor\" data-id=\"7ac2487\" 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>Financement participatif en obligations, dette priv\u00e9e, fonds r\u00e9gionaux de Nouvelle-Aquitaine, pr\u00eats d&rsquo;honneur, garanties Bpifrance et SIAGI : ces outils se combinent avec le cr\u00e9dit bancaire et font souvent basculer un dossier refus\u00e9 en direct.<\/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-3ae6a83 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ae6a83\" 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-d0a2fd7\" data-id=\"d0a2fd7\" 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-7435ddd afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"7435ddd\" 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\">Le bon moment<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82c3552 elementor-widget elementor-widget-heading\" data-id=\"82c3552\" 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\">Quand un courtage global change vraiment quelque chose<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1abad5e afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"1abad5e\" 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 r\u00e9flexe habituel est d&rsquo;appeler un courtier quand on a besoin d&rsquo;argent. C&rsquo;est souvent trop tard.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e26544 elementor-widget elementor-widget-spacer\" data-id=\"9e26544\" 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-90bed03 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"90bed03\" 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-1691a3d\" data-id=\"1691a3d\" 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-407ca7b elementor-widget elementor-widget-heading\" data-id=\"407ca7b\" 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\">Apr\u00e8s un refus bancaire<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a5bbef elementor-widget elementor-widget-text-editor\" data-id=\"7a5bbef\" 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 refus n&rsquo;est pas un verdict sur l&rsquo;entreprise : c&rsquo;est le r\u00e9sultat d&rsquo;une grille d&rsquo;analyse particuli\u00e8re, \u00e0 un moment donn\u00e9. Le m\u00eame dossier, retravaill\u00e9 et pr\u00e9sent\u00e9 ailleurs, obtient fr\u00e9quemment un accord. Encore faut-il comprendre ce qui a coinc\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-33.33 elementor-top-column elementor-element elementor-element-ae09ed1\" data-id=\"ae09ed1\" 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-07a6a9d elementor-widget elementor-widget-heading\" data-id=\"07a6a9d\" 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\">Avant un investissement lourd<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7e3c5 elementor-widget elementor-widget-text-editor\" data-id=\"ac7e3c5\" 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>Faire le m\u00e9nage dans les encours existants six mois avant de solliciter un financement important change radicalement la lecture du dossier. C&rsquo;est le moment o\u00f9 mon intervention rapporte le plus.<\/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-0bbb990\" data-id=\"0bbb990\" 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-db2f95d elementor-widget elementor-widget-heading\" data-id=\"db2f95d\" 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\">\u00c0 la reprise ou \u00e0 la transmission<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a3926 elementor-widget elementor-widget-text-editor\" data-id=\"a3a3926\" 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>Rachat de parts, sortie d&rsquo;associ\u00e9, transmission familiale, op\u00e9ration de LBO de petite taille : ces montages m\u00ealent cr\u00e9dit, garanties et fiscalit\u00e9. Je travaille en lien avec votre expert-comptable et votre avocat.<\/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-535b1b2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"535b1b2\" 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-00973ba\" data-id=\"00973ba\" 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-ef798ed elementor-section-boxed afr-cta elementor-section-height-default elementor-section-height-default\" data-id=\"ef798ed\" 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-68f6723\" data-id=\"68f6723\" 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-204c59d elementor-widget elementor-widget-heading\" data-id=\"204c59d\" 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\">Faisons le point sur vos encours<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6f1348 elementor-widget elementor-widget-text-editor\" data-id=\"f6f1348\" 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>Envoyez-moi vos tableaux d&rsquo;amortissement en cours : je vous dis sous 48 h s&rsquo;il y a quelque chose \u00e0 gagner, et combien.<\/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-6126d81 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6126d81\" 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-ea2ede9\" data-id=\"ea2ede9\" 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-5b01949 afr-b-accent elementor-align-right elementor-widget elementor-widget-button\" data-id=\"5b01949\" 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-20c6cda\" data-id=\"20c6cda\" 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-d6d1543 afr-b-fantome elementor-align-left elementor-widget elementor-widget-button\" data-id=\"d6d1543\" 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-80","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/80","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=80"}],"version-history":[{"count":0,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/80\/revisions"}],"wp:attachment":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/media?parent=80"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}