{"id":158,"date":"2023-08-17T00:00:00","date_gmt":"2023-08-16T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2019\/01\/02\/quest-ce-que-laffacturage-ou-factoring\/"},"modified":"2025-09-03T16:13:07","modified_gmt":"2025-09-03T14:13:07","slug":"affacturage","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/affacturage\/","title":{"rendered":"Qu\u2019est-ce que l\u2019affacturage ou factoring ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">L'affacturage ou \"factoring\" permet de disposer rapidement de l'argent de vos factures ou cr\u00e9ances clients, sans en attendre leur \u00e9ch\u00e9ance. C'est l'\u00e9tablissement sp\u00e9cialis\u00e9 (factor) \u00e0 qui vous les c\u00e9dez qui vous avance le r\u00e8glement. Le factor peut prendre en charge tout ce qui est li\u00e9 \u00e0 ces factures : suivi, relance, recouvrement. Il peut m\u00eame supporter le risque d'impay\u00e9s s'il y a lieu.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A qui s\u2019adresse l\u2019affacturage ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong>affacturage<\/strong> s'adresse \u00e0 toutes les entreprises, artisans, commer\u00e7ants, associations, professions lib\u00e9rales, micro-entrepreneurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>quel que soit leur secteur d'activit\u00e9,<\/li><li>quelle que soit leur taille,<\/li><li>qu'ils exportent ou non.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les factures clients doivent concerner des entreprises priv\u00e9es ou organismes publics.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir : <\/strong>Votre entreprise ne peut pas b\u00e9n\u00e9ficier d'affacturage si vos clients sont des particuliers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/aTiqZFlhoek?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Renforcer sa tr\u00e9sorerie gr\u00e2ce \u00e0 l&amp;apos;affacturage\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les avantages ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque vous \u00e9mettez une <strong>facture<\/strong>, vous devez g\u00e9n\u00e9ralement attendre l'\u00e9ch\u00e9ance convenue avec votre client pour encaisser les fonds. En optant pour l'affacturage, vous b\u00e9n\u00e9ficiez de multiples avantages, vous :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00eates pay\u00e9 rapidement (en moyenne 24H \u00e0 48H), ind\u00e9pendamment des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/delais-de-paiement\/\" target=\"_blank\" rel=\"noreferrer noopener\">facilit\u00e9s de r\u00e8glement accord\u00e9es \u00e0 votre client<\/a>,<\/li><li>n'avez pas besoin d'attendre l'\u00e9ch\u00e9ance d'une facture clients pour disposer des fonds,<\/li><li>disposez d'une plus grande visibilit\u00e9 sur votre tr\u00e9sorerie sans d\u00e9pendre d'un r\u00e8glement,<\/li><li>optimisez ainsi vos disponibilit\u00e9s (tr\u00e9sorerie) que vous pouvez utiliser \u00e0 d'autres fins,<\/li><li>gagnez du temps en sous-traitant la gestion du poste clients (suivi, relance et recouvrement des factures que vous \u00e9mettez),<\/li><li>pouvez ainsi vous consacrer \u00e0 vos clients, \u00e0 la bonne marche et au d\u00e9veloppement commercial de votre entreprise,<\/li><li>limitez les risques d'impay\u00e9s. Le factor peut prendre en charge le suivi et le recouvrement des impay\u00e9s en cas d'insolvabilit\u00e9 de vos clients.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En s\u00e9curisant votre <strong>poste clients<\/strong>, vous donnez un gage de s\u00e9rieux \u00e0 vos partenaires commerciaux ou financiers.<br>Enfin, <strong>l'affacturage <\/strong>vous permet de r\u00e9aliser des \u00e9conomies par rapport \u00e0 d'autres types de <strong>financement court terme<\/strong> (d\u00e9couvert par exemple).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le contrat d'affacturage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous convenez ensemble d'une <strong>solution d'affacturage<\/strong>, votre banque vous mettra en relation avec une soci\u00e9t\u00e9 de financement ou \u00e9tablissement sp\u00e9cialis\u00e9, le \"<strong>factor<\/strong>\", souvent filiale de la banque.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>contrat d'affacturage<\/strong> entre le <strong>factor<\/strong> et votre entreprise fixe le cadre dans lequel vous c\u00e9dez vos factures. C'est ce qu'on appelle la <strong>mobilisation de cr\u00e9ances<\/strong>. D\u00e8s signature du contrat, vous pouvez remettre vos factures clients au factor au fur et \u00e0 mesure de leur \u00e9mission. Il vous r\u00e8gle le montant indiqu\u00e9 dans le contrat et assure le recouvrement de la cr\u00e9ance \u00e0 son \u00e9ch\u00e9ance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour se pr\u00e9munir d'un \u00e9ventuel probl\u00e8me de r\u00e8glement (avoirs, litiges, impay\u00e9s\u2026), le factor \u00e9value le <strong>risque <\/strong>qu'il prend et constitue un <strong>fonds de garantie<\/strong> en cons\u00e9quence. Pour l'alimenter il retient, au fur et \u00e0 mesure des premi\u00e8res factures, une somme proportionnelle \u00e0 l'encours de votre poste clients (c'est-\u00e0-dire l'ensemble des factures \u00e9mises par votre entreprise sur vos clients). Une fois le fonds constitu\u00e9, le factor peut alors financer jusqu'\u00e0 100 % du montant de vos factures. Les sommes qui restent sur le fonds de garantie vous sont restitu\u00e9es en cas de rupture de vos relations avec le factor ou de non renouvellement du contrat.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir : <\/strong>Comme pour tout financement, l'affacturage est soumis \u00e0 l'accord de l'organisme financier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Combien \u00e7a co\u00fbte ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>co\u00fbt de l'affacturage<\/strong> n'est pas comparable \u00e0 celui des autres cr\u00e9dits court terme. Au co\u00fbt du financement des cr\u00e9ances, il faut en effet ajouter celui des diff\u00e9rents services et options suppl\u00e9mentaires. Le <strong>factor<\/strong> se r\u00e9mun\u00e8re sur le financement de vos cr\u00e9ances. Cette r\u00e9mun\u00e9ration prend \u00e9galement en compte le co\u00fbt du recouvrement et la prise de risque. Sur chaque remise de factures, sont pr\u00e9lev\u00e9es :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une <strong>commission de financement<\/strong> qui r\u00e9mun\u00e8re l'avance de tr\u00e9sorerie consentie. Elle est exprim\u00e9e sous la forme d'un taux d'int\u00e9r\u00eat appliqu\u00e9 sur le montant de l'argent avanc\u00e9 pendant toute la dur\u00e9e du pr\u00eat (c'est-\u00e0-dire jusqu'au paiement final de votre client),<\/li><li>une <strong>commission d'affacturage <\/strong>correspondant aux frais de gestion, incluant le co\u00fbt des \u00e9ventuelles relances et du recouvrement. Elle est exprim\u00e9e en pourcentage du chiffre d'affaires c\u00e9d\u00e9 ou forfaitaire,<\/li><li>la <strong>participation au fonds de garantie<\/strong> (g\u00e9n\u00e9ralement autour de 10 %) pour couvrir le risque de factures impay\u00e9es. Cette participation cesse lorsque votre fonds de garantie est constitu\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le factor peut appliquer des frais annexes : frais d'audit, frais de dossier, abonnement Internet pour acc\u00e9der au site du factor, frais minimum par facture, frais pour les litiges\u2026<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter : <\/strong>Pour faciliter et simplifier l'acc\u00e8s des Tr\u00e8s Petites Entreprises (TPE) \u00e0 l'affacturage, de plus en plus de factors proposent une tarification au forfait.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment se d\u00e9roulent vos op\u00e9rations d\u2019affacturage ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour chaque entreprise cliente, vous devez fournir au factor :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>le montant de l'encours global des factures que vous envisagez de lui confier,<\/li><li>ses coordonn\u00e9es et son num\u00e9ro de Siret.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>factor<\/strong> analyse la situation des clients concern\u00e9s. Il mesure ainsi les risques \u00e0 encourir avant de vous donner un accord sur le niveau de garantie de vos cr\u00e9ances pour chacun d'entre eux.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>D\u00e8s signature du contrat d'affacturage, vous pouvez remettre au factor, la copie des factures que vous avez \u00e9mises en mentionnant les d\u00e9lais de paiement accord\u00e9s \u00e0 vos clients. Ces remises peuvent \u00e9galement \u00eatre d\u00e9mat\u00e9rialis\u00e9es.<\/li><li>Vous devez informer vos clients que vous <strong>c\u00e9dez vos cr\u00e9ances<\/strong> \u00e0 un tiers par la mention de subrogation appos\u00e9e sur la facture que vous envoyez \u00e0 votre client et sur la copie destin\u00e9e au factor.<\/li><li>Le factor vous avance la somme correspondant \u00e0 chaque facture re\u00e7ue, d\u00e9duction faite des frais et du pourcentage qu'il pr\u00e9l\u00e8ve pour constituer votre <strong>fonds de garantie<\/strong>.<\/li><li>Le factor re\u00e7oit le paiement des factures \u00e0 \u00e9ch\u00e9ance directement par votre client et g\u00e8re les \u00e9ventuels impay\u00e9s.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Que se passe-t-il en cas d\u2019impay\u00e9s ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si le factor ne parvient pas \u00e0 se faire payer (client insolvable, d\u00e9faillance d'entreprise,\u2026) il utilise les sommes de votre fonds de garantie qu'il a constitu\u00e9 et r\u00e9cup\u00e8re ainsi le montant des <strong>factures impay\u00e9es <\/strong>qu'il vous a avanc\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez souscrit une <strong>assurance-cr\u00e9dit<\/strong>, celle-ci peut prend en charge tout ou partie des impay\u00e9s en fonction de votre contrat. Et votre fonds de garantie compl\u00e8te si besoin. Par exemple : si l'assurance-cr\u00e9dit couvre 80 % de vos impay\u00e9s, le factor r\u00e9cup\u00e9rera les 20 % restant en piochant dans votre <strong>fonds de garantie<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'assurance-cr\u00e9dit est optionnelle et peut \u00eatre souscrite aupr\u00e8s du factor ou de l'assureur-cr\u00e9dit de votre choix. Dans ce cas, vous pouvez lui demander une d\u00e9l\u00e9gation de b\u00e9n\u00e9fice des indemnit\u00e9s des impay\u00e9s au profit du factor. Outre la prise en charge des impay\u00e9s, l'assureur-cr\u00e9dit peut vous renseigner sur la solvabilit\u00e9 de vos prospects ou clients. Cela vous \u00e9vite ainsi d'entamer ou de poursuivre des relations commerciales risqu\u00e9es.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir : <\/strong>Le factor exige souvent une assurance-cr\u00e9dit, sauf en l'absence de risque (si vous travaillez avec des collectivit\u00e9s ou des administrations par exemple). Les conditions de fonctionnement du fonds de garantie et la prise en charge des impay\u00e9s par l'assurance-cr\u00e9dit sont d\u00e9finies au cas par cas, en fonction du contrat que vous signez avec le factor et\/ou l'assureur-cr\u00e9dit.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \" Qu\u2019est-ce que l\u2019affacturage ou factoring ?\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.economie.gouv.fr\/entreprises\/recouvrement-creances-affacturage\" target=\"_blank\" rel=\"noreferrer noopener\">Recouvrement de cr\u00e9ances : connaissez-vous l'affacturage ? sur economie.gouv.fr<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" 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             <\/h3>\n                                <p class=\"card__article\">L\u2019affacturage ou \u00ab factoring \u00bb est un mode de financement court terme qui vous permet d\u2019\u00eatre r\u00e9gl\u00e9 du montant des factures que vous avez \u00e9mises, avant que vos clients ne (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:614,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/escompte\/&quot;,&quot;title&quot;:&quot;Qu\\u0027est-ce que l\\u0027escompte d\\u0027effet de commerce ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/06\/escompte-_BD-150x150.jpg&quot;,&quot;likes&quot;:832}\"\n     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class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>L'affacturage ou \"factoring\" permet de disposer rapidement de l'argent de vos factures ou cr\u00e9ances clients, sans en attendre leur \u00e9ch\u00e9ance. C'est l'\u00e9tablissement sp\u00e9cialis\u00e9 (factor) \u00e0 qui vous les c\u00e9dez qui vous avance le r\u00e8glement. Le factor peut prendre en charge tout ce qui est li\u00e9 \u00e0 ces factures : suivi, relance, recouvrement. Il peut m\u00eame [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":2600,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":27,"views":92503,"viewed_at":"1778493849","newsletter":"0","_yoast_wpseo_primary_category":109,"footnotes":""},"categories":[109,107,108],"tags":[],"class_list":["post-158","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-laffacturage","category-les-financements","category-les-financements-court-terme"],"yoast_head":"<title>Qu\u2019est-ce que l\u2019affacturage ou factoring ? - L&#039;affacturage - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Le factoring permet de disposer rapidement de l&#039;argent de vos factures ou cr\u00e9ances clients, sans en attendre leur \u00e9ch\u00e9ance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/affacturage\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u2019est-ce que l\u2019affacturage ou factoring ? 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