{"id":82,"date":"2026-08-14T11:38:52","date_gmt":"2026-08-14T09:38:52","guid":{"rendered":"https:\/\/afr-la-rochelle.fr\/index.php\/artisans-commercants\/"},"modified":"2026-08-14T11:38:52","modified_gmt":"2026-08-14T09:38:52","slug":"artisans-commercants","status":"publish","type":"page","link":"https:\/\/afr-la-rochelle.fr\/index.php\/artisans-commercants\/","title":{"rendered":"Artisans &#038; commer\u00e7ants"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"82\" class=\"elementor elementor-82\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d848575 elementor-section-boxed afr-page-head elementor-section-height-default elementor-section-height-default\" data-id=\"d848575\" 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-c60172a\" data-id=\"c60172a\" 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-265ddea afr-fil elementor-widget elementor-widget-text-editor\" data-id=\"265ddea\" 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 Artisans &amp; commer\u00e7ants<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ba81e9 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"9ba81e9\" 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\">Artisans, commer\u00e7ants &amp; TPE<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8721b2a elementor-widget elementor-widget-heading\" data-id=\"8721b2a\" 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\">Financement des artisans, commer\u00e7ants et TPE \u00e0 La Rochelle<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8507e6a afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"8507e6a\" 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>B\u00e2timent, alimentation, services, commerce de d\u00e9tail : des entreprises solides, des bilans que les comit\u00e9s de cr\u00e9dit lisent parfois mal. Mon travail consiste \u00e0 r\u00e9tablir la lecture.<\/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-0a7b6e7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0a7b6e7\" 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-42155d6\" data-id=\"42155d6\" 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-e8b4d58 afr-b-accent elementor-widget elementor-widget-button\" data-id=\"e8b4d58\" 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-102ea14\" data-id=\"102ea14\" 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-3349e45 afr-b-contour elementor-widget elementor-widget-button\" data-id=\"3349e45\" 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-fefcfcf elementor-section-boxed afr-illustration elementor-section-height-default elementor-section-height-default\" data-id=\"fefcfcf\" 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-fc8cab8\" data-id=\"fc8cab8\" 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-6b0bf84 elementor-widget elementor-widget-shortcode\" data-id=\"6b0bf84\" 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-artisans-commercants.jpg\" alt=\"Artisan dans son atelier \u00e0 La Rochelle\" 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-23cb3a4 afr-legende elementor-widget elementor-widget-text-editor\" data-id=\"23cb3a4\" 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>B\u00e2timent, alimentation, services : les trois quarts de mes dossiers.<\/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-48969ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48969ff\" 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-1bc4ce8\" data-id=\"1bc4ce8\" 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-72eebc5 elementor-widget elementor-widget-heading\" data-id=\"72eebc5\" 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\">Une rentabilit\u00e9 r\u00e9elle que le bilan ne montre pas toujours<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73816a6 elementor-widget elementor-widget-text-editor\" data-id=\"73816a6\" 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 entreprise artisanale bien tenue d\u00e9gage souvent une capacit\u00e9 d&rsquo;autofinancement sup\u00e9rieure \u00e0 ce que laisse penser son r\u00e9sultat comptable : r\u00e9mun\u00e9ration du dirigeant optimis\u00e9e, amortissements importants, compte courant d&rsquo;associ\u00e9 mouvement\u00e9. Un analyste qui ne conna\u00eet pas le m\u00e9tier y voit une fragilit\u00e9.<\/p><p>Je retraite ces \u00e9l\u00e9ments et je les pr\u00e9sente pour ce qu&rsquo;ils sont. Sur un dossier de TPE, cette lecture corrig\u00e9e fait plus souvent basculer un accord qu&rsquo;une n\u00e9gociation de 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<div class=\"elementor-column elementor-col-40 elementor-top-column elementor-element elementor-element-68278d0\" data-id=\"68278d0\" 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-f3a93ac elementor-widget elementor-widget-heading\" data-id=\"f3a93ac\" 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\">Les situations les plus fr\u00e9quentes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33d4955 afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"33d4955\" 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>Installation ou reprise d&rsquo;un fonds de commerce<\/li><li>Achat du local et sortie du loyer commercial<\/li><li>Renouvellement du parc de v\u00e9hicules utilitaires<\/li><li>Financement d&rsquo;un stock ou d&rsquo;une saison forte<\/li><li>Tr\u00e9sorerie tendue apr\u00e8s un chantier mal sold\u00e9<\/li><li>Rachat des parts d&rsquo;un associ\u00e9 sortant<\/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-038e2ed elementor-section-boxed afr-section--sable elementor-section-height-default elementor-section-height-default\" data-id=\"038e2ed\" 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-aeae3e0\" data-id=\"aeae3e0\" 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-c0b0e20 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"c0b0e20\" 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\">Vos besoins<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-298ba53 elementor-widget elementor-widget-heading\" data-id=\"298ba53\" 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 que je finance pour les artisans et les commer\u00e7ants<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d649777 elementor-widget elementor-widget-spacer\" data-id=\"d649777\" 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-54a0fda elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54a0fda\" 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-e43f251\" data-id=\"e43f251\" 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-27d35c8 elementor-widget elementor-widget-heading\" data-id=\"27d35c8\" 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\">Reprise et installation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3545927 elementor-widget elementor-widget-text-editor\" data-id=\"3545927\" 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 fonds de commerce, de client\u00e8le ou de parts sociales, financement du droit au bail et du besoin en fonds de roulement de d\u00e9marrage. J&rsquo;interviens en amont, d\u00e8s le chiffrage, pour \u00e9viter qu&rsquo;un prix d&rsquo;acquisition sur\u00e9valu\u00e9 ne bloque tout le montage.<\/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-8d864fe\" data-id=\"8d864fe\" 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-6ce1e08 elementor-widget elementor-widget-heading\" data-id=\"6ce1e08\" 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\">Achat des murs<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7db3735 elementor-widget elementor-widget-text-editor\" data-id=\"7db3735\" 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>Passer de locataire \u00e0 propri\u00e9taire change l&rsquo;\u00e9quation patrimoniale d&rsquo;un artisan. Cr\u00e9dit amortissable en SCI, cr\u00e9dit-bail immobilier : je compare les deux voies sur le co\u00fbt global et sur ce qu&rsquo;elles impliquent au moment de la transmission.<\/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-7c604b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7c604b6\" 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-6dfd649\" data-id=\"6dfd649\" 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-87fd534 elementor-widget elementor-widget-heading\" data-id=\"87fd534\" 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\">V\u00e9hicules et outillage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-da7e041 elementor-widget elementor-widget-text-editor\" data-id=\"da7e041\" 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>Utilitaires, poids lourds, engins de chantier, machines-outils, mat\u00e9riel de froid ou de cuisson. Cr\u00e9dit-bail ou LOA obtenus g\u00e9n\u00e9ralement sous 48 \u00e0 72 heures, sans toucher \u00e0 vos lignes bancaires.<\/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-06952d6\" data-id=\"06952d6\" 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-d714236 elementor-widget elementor-widget-heading\" data-id=\"d714236\" 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\">Tr\u00e9sorerie et d\u00e9calages<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92c4be7 elementor-widget elementor-widget-text-editor\" data-id=\"92c4be7\" 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>Chantiers longs, retenues de garantie, clients publics qui paient \u00e0 60 jours : affacturage, ligne de tr\u00e9sorerie confirm\u00e9e ou cr\u00e9dit court terme adoss\u00e9 au poste clients.<\/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-055fcd5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"055fcd5\" 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-5c72833\" data-id=\"5c72833\" 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-07f6c33 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"07f6c33\" 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 de vigilance<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2693db9 elementor-widget elementor-widget-heading\" data-id=\"2693db9\" 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 bloque le plus souvent un dossier de TPE<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661365f afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"661365f\" 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>Trois points reviennent dans presque tous les refus que je r\u00e9cup\u00e8re.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d29f28 elementor-widget elementor-widget-spacer\" data-id=\"6d29f28\" 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-980f7b8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"980f7b8\" 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-2d74fba\" data-id=\"2d74fba\" 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-d5149bd elementor-widget elementor-widget-heading\" data-id=\"d5149bd\" 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\">Des comptes non retrait\u00e9s<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94e0aec elementor-widget elementor-widget-text-editor\" data-id=\"94e0aec\" 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 bilan brut ne raconte pas l&rsquo;histoire de l&rsquo;entreprise. Sans retraitement de la r\u00e9mun\u00e9ration du dirigeant, des loyers vers\u00e9s \u00e0 la SCI du g\u00e9rant et des amortissements, la capacit\u00e9 de remboursement affich\u00e9e est structurellement sous-\u00e9valu\u00e9e.<\/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-6428508\" data-id=\"6428508\" 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-0ba7d1a elementor-widget elementor-widget-heading\" data-id=\"0ba7d1a\" 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\">Un apport pr\u00e9sent\u00e9 trop tard<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6bccd0 elementor-widget elementor-widget-text-editor\" data-id=\"b6bccd0\" 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;apport ne se limite pas \u00e0 la tr\u00e9sorerie disponible : compte courant d&rsquo;associ\u00e9 bloqu\u00e9, mat\u00e9riel d\u00e9j\u00e0 d\u00e9tenu, pr\u00eat d&rsquo;honneur, dispositifs r\u00e9gionaux de Nouvelle-Aquitaine. Encore faut-il les int\u00e9grer au plan de financement avant le passage en comit\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-22800e8\" data-id=\"22800e8\" 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-56dec82 elementor-widget elementor-widget-heading\" data-id=\"56dec82\" 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\">Des garanties accept\u00e9es sans discussion<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28f3748 elementor-widget elementor-widget-text-editor\" data-id=\"28f3748\" 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 illimit\u00e9e, nantissement du fonds, hypoth\u00e8que sur la r\u00e9sidence principale : ces demandes se n\u00e9gocient et se substituent, notamment via les garanties Bpifrance ou les fonds de garantie r\u00e9gionaux.<\/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-d4c2a13 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d4c2a13\" 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-23e5ebe\" data-id=\"23e5ebe\" 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-b7a9a41 elementor-section-boxed afr-cta elementor-section-height-default elementor-section-height-default\" data-id=\"b7a9a41\" 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-3c38832\" data-id=\"3c38832\" 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-3c0433f elementor-widget elementor-widget-heading\" data-id=\"3c0433f\" 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 d'atelier, de local ou de mat\u00e9riel ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d69ada4 elementor-widget elementor-widget-text-editor\" data-id=\"d69ada4\" 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 deux derniers bilans et votre devis : je vous dis sous 48 h ce qui est finan\u00e7able, \u00e0 quelle dur\u00e9e et avec quelles garanties.<\/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-343f11a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"343f11a\" 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-263552d\" data-id=\"263552d\" 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-7e1f343 afr-b-accent elementor-align-right elementor-widget elementor-widget-button\" data-id=\"7e1f343\" 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-a9f51b0\" data-id=\"a9f51b0\" 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-91ee28e afr-b-fantome elementor-align-left elementor-widget elementor-widget-button\" data-id=\"91ee28e\" 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-82","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/82","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=82"}],"version-history":[{"count":0,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/82\/revisions"}],"wp:attachment":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/media?parent=82"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}