{"id":84,"date":"2026-08-14T11:38:52","date_gmt":"2026-08-14T09:38:52","guid":{"rendered":"https:\/\/afr-la-rochelle.fr\/index.php\/chr-tourisme-nautisme\/"},"modified":"2026-08-14T11:38:52","modified_gmt":"2026-08-14T09:38:52","slug":"chr-tourisme-nautisme","status":"publish","type":"page","link":"https:\/\/afr-la-rochelle.fr\/index.php\/chr-tourisme-nautisme\/","title":{"rendered":"CHR, tourisme &#038; nautisme"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"84\" class=\"elementor elementor-84\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9d55f54 elementor-section-boxed afr-page-head elementor-section-height-default elementor-section-height-default\" data-id=\"9d55f54\" 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-308d032\" data-id=\"308d032\" 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-514a537 afr-fil elementor-widget elementor-widget-text-editor\" data-id=\"514a537\" 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 CHR, tourisme &amp; nautisme<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9377a30 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"9377a30\" 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\">CHR, tourisme &amp; nautisme<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16c055c elementor-widget elementor-widget-heading\" data-id=\"16c055c\" 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 CHR, du tourisme et du nautisme en Charente-Maritime<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1fb8fc afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"d1fb8fc\" 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>H\u00f4tels, restaurants, campings, locations saisonni\u00e8res, chantiers navals et services portuaires : une \u00e9conomie saisonni\u00e8re que les grilles d&rsquo;analyse standard comprennent mal.<\/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-13baf4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"13baf4c\" 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-50b5eba\" data-id=\"50b5eba\" 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-d4e0b57 afr-b-accent elementor-widget elementor-widget-button\" data-id=\"d4e0b57\" 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-ae18bf9\" data-id=\"ae18bf9\" 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-fe6620e afr-b-contour elementor-widget elementor-widget-button\" data-id=\"fe6620e\" 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-0faae07 elementor-section-boxed afr-illustration elementor-section-height-default elementor-section-height-default\" data-id=\"0faae07\" 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-04854a5\" data-id=\"04854a5\" 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-4cdc780 elementor-widget elementor-widget-shortcode\" data-id=\"4cdc780\" 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-chr-tourisme-nautisme.jpg\" alt=\"Port de plaisance et activit\u00e9 touristique \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-98f9a8a afr-legende elementor-widget elementor-widget-text-editor\" data-id=\"98f9a8a\" 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 \u00e9conomie saisonni\u00e8re que les grilles d&rsquo;analyse standard comprennent mal.<\/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-15c798c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15c798c\" 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-4c200e6\" data-id=\"4c200e6\" 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-9d7f195 elementor-widget elementor-widget-heading\" data-id=\"9d7f195\" 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\">La saisonnalit\u00e9 n'est pas une fragilit\u00e9, c'est un mod\u00e8le<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5adc4d7 elementor-widget elementor-widget-text-editor\" data-id=\"5adc4d7\" 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 le bassin rochelais, une part importante du chiffre d&rsquo;affaires se fait entre avril et septembre. Lu \u00e0 travers une grille classique, ce profil d\u00e9clenche des r\u00e9serves : tr\u00e9sorerie n\u00e9gative une partie de l&rsquo;ann\u00e9e, encours qui gonfle avant la saison, r\u00e9sultat concentr\u00e9 sur deux trimestres.<\/p><p>Je construis le dossier autour d&rsquo;un plan de tr\u00e9sorerie mois par mois, qui montre que le mod\u00e8le est ma\u00eetris\u00e9 plut\u00f4t que subi. C&rsquo;est ce document, plus que le bilan, qui emporte la d\u00e9cision sur ces activit\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<div class=\"elementor-column elementor-col-40 elementor-top-column elementor-element elementor-element-edd12be\" data-id=\"edd12be\" 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-926c7f0 elementor-widget elementor-widget-heading\" data-id=\"926c7f0\" 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 projets du secteur<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6dd156 afr-checks elementor-widget elementor-widget-text-editor\" data-id=\"d6dd156\" 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>Reprise d&rsquo;un fonds de commerce d&rsquo;h\u00f4tel ou de restaurant<\/li><li>R\u00e9novation, extension, mont\u00e9e en gamme, classement<\/li><li>\u00c9quipement de cuisine professionnelle et agencement<\/li><li>Achat ou refonte d&rsquo;un camping, de mobil-homes, d&rsquo;h\u00e9bergements insolites<\/li><li>Bateaux professionnels, moteurs, remorques, mat\u00e9riel de chantier naval<\/li><li>Financement du besoin en fonds de roulement d&rsquo;avant-saison<\/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-fc6574c elementor-section-boxed afr-section--sable elementor-section-height-default elementor-section-height-default\" data-id=\"fc6574c\" 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-e69a2d7\" data-id=\"e69a2d7\" 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-20dd994 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"20dd994\" 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-42c8957 elementor-widget elementor-widget-heading\" data-id=\"42c8957\" 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 dans le tourisme et le nautisme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22f0d23 elementor-widget elementor-widget-spacer\" data-id=\"22f0d23\" 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-e710304 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e710304\" 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-73802e2\" data-id=\"73802e2\" 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-9aa1baa elementor-widget elementor-widget-heading\" data-id=\"9aa1baa\" 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 murs d'exploitation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0dbc46 elementor-widget elementor-widget-text-editor\" data-id=\"c0dbc46\" 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>Fonds de commerce, licence IV, murs commerciaux, terrain de camping. Les valorisations du secteur reposent sur des multiples de chiffre d&rsquo;affaires ou d&rsquo;exc\u00e9dent brut que je sais argumenter devant un 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-50 elementor-top-column elementor-element elementor-element-708ff2b\" data-id=\"708ff2b\" 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-353c878 elementor-widget elementor-widget-heading\" data-id=\"353c878\" 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\">Travaux et mont\u00e9e en gamme<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-011586f elementor-widget elementor-widget-text-editor\" data-id=\"011586f\" 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>R\u00e9novation de chambres, mise aux normes accessibilit\u00e9 et s\u00e9curit\u00e9, isolation, climatisation, piscine, espace bien-\u00eatre. Les dispositifs de transition \u00e9nerg\u00e9tique ouvrent des financements bonifi\u00e9s qu&rsquo;il faut mobiliser au bon moment.<\/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-66c479d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"66c479d\" 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-238f1ef\" data-id=\"238f1ef\" 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-a8c52e6 elementor-widget elementor-widget-heading\" data-id=\"a8c52e6\" 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\">\u00c9quipement et mat\u00e9riel nautique<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ef02e1 elementor-widget elementor-widget-text-editor\" data-id=\"9ef02e1\" 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>Cuisine professionnelle, chambre froide, mobil-homes, navires \u00e0 utilisation commerciale, moteurs, outillage de chantier naval, mat\u00e9riel de manutention portuaire. Le cr\u00e9dit-bail est ici la voie la plus rapide.<\/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-50dd680\" data-id=\"50dd680\" 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-9126521 elementor-widget elementor-widget-heading\" data-id=\"9126521\" 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 de saison<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba136a3 elementor-widget elementor-widget-text-editor\" data-id=\"ba136a3\" 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>Ligne de tr\u00e9sorerie cal\u00e9e sur le cycle d&rsquo;exploitation, financement des stocks d&rsquo;avant-saison, affacturage sur la client\u00e8le groupes et comit\u00e9s d&rsquo;entreprise, \u00e9talement des charges sociales.<\/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-c6d668e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c6d668e\" 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-43a754f\" data-id=\"43a754f\" 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-bdefdf0 afr-eyebrow elementor-widget elementor-widget-heading\" data-id=\"bdefdf0\" 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-997d86c elementor-widget elementor-widget-heading\" data-id=\"997d86c\" 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 la diff\u00e9rence sur un dossier saisonnier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c77e4e0 afr-lead elementor-widget elementor-widget-text-editor\" data-id=\"c77e4e0\" 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>Les m\u00eames chiffres, pr\u00e9sent\u00e9s autrement, ne produisent pas la m\u00eame d\u00e9cision.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ecb26c3 elementor-widget elementor-widget-spacer\" data-id=\"ecb26c3\" 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-f2c41f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f2c41f6\" 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-d557ba5\" data-id=\"d557ba5\" 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-d7dfdae elementor-widget elementor-widget-heading\" data-id=\"d7dfdae\" 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 plan de tr\u00e9sorerie mois par mois<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8c2092 elementor-widget elementor-widget-text-editor\" data-id=\"b8c2092\" 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>Encaissements et d\u00e9caissements r\u00e9els, pic de besoin avant l&rsquo;ouverture, point bas de f\u00e9vrier : montrer que vous connaissez votre courbe rassure davantage qu&rsquo;un ratio annuel favorable.<\/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-5c11f79\" data-id=\"5c11f79\" 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-6eb938e elementor-widget elementor-widget-heading\" data-id=\"6eb938e\" 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 \u00e9ch\u00e9ances cal\u00e9es sur la saison<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-133c701 elementor-widget elementor-widget-text-editor\" data-id=\"133c701\" 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>Diff\u00e9r\u00e9 d&rsquo;amortissement, \u00e9ch\u00e9ances modulables, remboursements major\u00e9s en haute saison et all\u00e9g\u00e9s en creux : ces am\u00e9nagements existent et se n\u00e9gocient, mais ne sont presque jamais propos\u00e9s spontan\u00e9ment.<\/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-5162dab\" data-id=\"5162dab\" 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-832bb1e elementor-widget elementor-widget-heading\" data-id=\"832bb1e\" 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 d\u00e9pendance \u00e0 la m\u00e9t\u00e9o et \u00e0 la fr\u00e9quentation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93d28b7 elementor-widget elementor-widget-text-editor\" data-id=\"93d28b7\" 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 y pense m\u00eame s&rsquo;il ne le dit pas. Diversification de la client\u00e8le, part de l&rsquo;activit\u00e9 hors saison, r\u00e9servations d\u00e9j\u00e0 enregistr\u00e9es : autant d&rsquo;\u00e9l\u00e9ments \u00e0 documenter en amont plut\u00f4t qu&rsquo;\u00e0 subir en question.<\/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-1e72537 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e72537\" 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-e640c51\" data-id=\"e640c51\" 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-24868d6 elementor-section-boxed afr-cta elementor-section-height-default elementor-section-height-default\" data-id=\"24868d6\" 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-a93dfc6\" data-id=\"a93dfc6\" 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-b5d84a5 elementor-widget elementor-widget-heading\" data-id=\"b5d84a5\" 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 avant la prochaine saison ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d50a97 elementor-widget elementor-widget-text-editor\" data-id=\"0d50a97\" 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>Les dossiers du tourisme se pr\u00e9parent en hiver. Prenons vingt minutes maintenant pour cadrer le financement pendant que le calendrier le permet.<\/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-a78bca1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a78bca1\" 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-9c0a1e2\" data-id=\"9c0a1e2\" 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-22577e3 afr-b-accent elementor-align-right elementor-widget elementor-widget-button\" data-id=\"22577e3\" 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-0439ae2\" data-id=\"0439ae2\" 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-d48e28f afr-b-fantome elementor-align-left elementor-widget elementor-widget-button\" data-id=\"d48e28f\" 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-84","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/84","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=84"}],"version-history":[{"count":0,"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/pages\/84\/revisions"}],"wp:attachment":[{"href":"https:\/\/afr-la-rochelle.fr\/index.php\/wp-json\/wp\/v2\/media?parent=84"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}