{"id":317,"date":"2023-07-05T00:00:00","date_gmt":"2023-07-04T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/06\/28\/etablir-votre-plan-de-financement\/"},"modified":"2026-06-17T09:14:09","modified_gmt":"2026-06-17T07:14:09","slug":"etablir-plan-de-financement","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/","title":{"rendered":"Plan de financement : pourquoi, comment l'\u00e9tablir ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Un plan de financement est un tableau de gestion pr\u00e9visionnelle. Il permet de calculer les moyens financiers n\u00e9cessaires \u00e0 la r\u00e9alisation de votre projet et donc de valider sa viabilit\u00e9 et sa rentabilit\u00e9. C'est un outil essentiel pour le pilotage financier de votre activit\u00e9.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A quoi sert un plan de financement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est indispensable \u00e0 la cr\u00e9ation de votre entreprise et au d\u00e9marrage de votre activit\u00e9. Il peut aussi se justifier plus tard dans le cadre d'un investissement \u00e0 r\u00e9aliser, notamment en cas de demande de financement aupr\u00e8s d'une banque. Dans ce cas, le plan de financement pourra \u00eatre plus simple qu'\u00e0 la cr\u00e9ation d'entreprise.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'investissement peut affecter sensiblement votre <strong>cycle d'exploitation<\/strong> (par exemple un fort d\u00e9veloppement de votre chiffre d'affaires). Dans ce cas, une analyse plus approfondie sera cependant n\u00e9cessaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment construire votre plan de financement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez dresser la liste des investissements requis au d\u00e9marrage et des charges li\u00e9es \u00e0 l'exploitation de votre activit\u00e9. Il s'agit en fait de faire l'inventaire de vos besoins et de vos ressources, les capitaux n\u00e9cessaires pour financer ces d\u00e9penses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>plan de financement<\/strong> se pr\u00e9sente sous la forme d'un tableau \u00e0 2 colonnes :<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>vos besoins <\/strong>: en investissements (locaux, mat\u00e9riels...) et vos charges d'exploitation (stocks, poste clients, besoins de tr\u00e9sorerie).<\/li><li><strong>vos ressources<\/strong> : apport personnel, celui des associ\u00e9s, aides et cr\u00e9dits envisag\u00e9s (pr\u00eats, de paiement d'un fournisseur...).<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : La totalit\u00e9 des besoins doit \u00eatre couverte par vos ressources.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les besoins et les charges de votre entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">On retrouve dans le <strong>plan de financement<\/strong> certaines d\u00e9penses en effet n\u00e9cessaires \u00e0 votre entreprise : des besoins \u00e0 long et moyen terme et des besoins \u00e0 court terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On parle d'<strong>immobilisations <\/strong>quand les biens concern\u00e9s par les investissements sont destin\u00e9s \u00e0 \u00eatre utilis\u00e9s durablement au sein de votre entreprise. Elles peuvent \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>incorporelles <\/strong>(biens non mat\u00e9riels comme le fonds de commerce par exemple), <\/li><li><strong>corporelles<\/strong> (b\u00e2timents, v\u00e9hicules dont l'entreprise est propri\u00e9taire),<\/li><li>ou <strong>financi\u00e8res<\/strong> (comme un d\u00e9p\u00f4t de garantie ou une caution). <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Il s'agit de besoin \u00e0 long et moyen terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-besoin-en-fonds-de-roulement\/\"><strong>besoin de fonds de roulement<\/strong> <\/a>correspond au d\u00e9calage qui existe entre les d\u00e9penses que vous engagez (achat de stock, charges de personnel...) et les recettes (produit de la vente) que vous encaissez. Si les d\u00e9penses sont ant\u00e9rieures \u00e0 vos recettes ou plus importantes sur une p\u00e9riode donn\u00e9e, le besoin de <strong>fonds de roulement<\/strong> est alors positif et devient un besoin \u00e0 court terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-besoin-de-tresorerie\/\"><strong>besoin de tr\u00e9sorerie<\/strong> <\/a>est \u00e9galement un besoin \u00e0 court terme ; il correspond aux d\u00e9penses li\u00e9es au fonctionnement quotidien de votre entreprise. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les ressources de votre entreprise ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ressources correspondent aux sommes investies dans votre entreprise, \u00e0 celles emprunt\u00e9es \u00e0 moyen et long terme ou aux cr\u00e9dits \u00e0 court terme.<br>Les <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/augmenter-fonds-propres\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>fonds propres<\/strong> <\/a>sont des ressources durables voire permanentes destin\u00e9es \u00e0 rester dans votre entreprise. Il peut s'agir de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/utilite-et-montant-de-lapport-personnel\/\">apport personnel,<\/a><\/li><li>sommes apport\u00e9es au capital de votre entreprise par votre famille (apport familial) ou vos associ\u00e9s,<\/li><li>subventions, d'aides de l'\u00c9tat ou des collectivit\u00e9s locales.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les cr\u00e9dits \u00e0 moyen et long terme sont des ressources adapt\u00e9es pour financer les investissements durables dans l'entreprise. Il peut s'agir de pr\u00eats :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-prets-dhonneur-et-les-prets-solidaires\/\">d'honneur <\/a>(remboursables sans int\u00e9r\u00eats),<\/li><li>aid\u00e9s (remboursables avec int\u00e9r\u00eats minor\u00e9s ou diff\u00e9r\u00e9s),<\/li><li>bancaires (remboursables avec int\u00e9r\u00eats)...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les cr\u00e9dits \u00e0 court terme sont adapt\u00e9s pour r\u00e9pondre \u00e0 un besoin de tr\u00e9sorerie apr\u00e8s le d\u00e9marrage de votre activit\u00e9. Il peut s'agir notamment de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-delai-fournisseurs\/\">d\u00e9lais obtenus aupr\u00e8s de fournisseurs<\/a>,<\/li><li>cr\u00e9dits de tr\u00e9sorerie,<\/li><li><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/quest-ce-que-la-mobilisation-de-creances-professionnelles\/\">cr\u00e9dits par mobilisation de cr\u00e9ances<\/a>.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles pr\u00e9cautions pour son plan de financement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Evaluez correctement le montant de vos<strong> fonds propres<\/strong> car pour les tiers (fournisseurs, banque ...,) la proportion \"apport personnel \/ dettes\" est un signe de la solidit\u00e9 de votre projet et de votre engagement dans celui-ci :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Plus vos apports sont \u00e9lev\u00e9s, plus votre ind\u00e9pendance vis-\u00e0-vis de vos cr\u00e9anciers est importante. Vous pourrez mener la politique commerciale que vous souhaitez.<\/li><li>Ne sous-estimez pas vos besoins : vous risqueriez de provoquer un d\u00e9s\u00e9quilibre dans votre tr\u00e9sorerie lorsqu'il faudra faire face aux d\u00e9penses r\u00e9elles correspondantes.<\/li><li>Il est important de ne pas investir la totalit\u00e9 de vos ressources afin de conserver une marge de man\u0153uvre en cas de difficult\u00e9s (d\u00e9penses impr\u00e9vues ou retard dans la phase de d\u00e9marrage de l'activit\u00e9).<\/li><li>Optez pour des financements adapt\u00e9s : financer un besoin \u00e0 long terme par une ressource \u00e0 long terme car un besoin permanent n\u00e9cessite une ressource stable (apport, pr\u00eat moyen ou long terme).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : pour pr\u00e9parer votre plan de financement, vous pouvez aussi vous faire accompagner par un expert-comptable, un centre de gestion agr\u00e9\u00e9, un r\u00e9seau d'accompagnement \u00e0 la cr\u00e9ation (association, service d'une collectivit\u00e9...), une boutique de gestion...<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/entreprendre.service-public.fr\/vosdroits\/F24024\">Fonds propres ou financement externe d'une entreprise, sur entreprendre.service-public.fr<\/a><\/li><li><a href=\"https:\/\/bpifrance-creation.fr\/moments-de-vie\/comment-faire-business-plan-efficace\" target=\"_blank\" rel=\"noreferrer noopener\">BPI France cr\u00e9ation : Comment faire un business plan efficace ?<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"focusOn\"><div class=\"focusOn__inner\"><div class=\"titleWithShadowText titleWithShadowText--backgroundColor --mobile\">\n    <div class=\"titleWithShadowText__inner\" style=\"background-color: #6278a7\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg style=\"background-color: #6278a7\" class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg style=\"background-color: #6278a7\" class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Pratique                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Pratique<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        <div class=\"focusOn__articles\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:2,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:2,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"focusOn__articlesInner\"><div class=\"cards\" data-carousel-track><div class=\"focusOn__item\"><article class=\"card card--noBg\" data-block=\"focus-on\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:681,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/plan-de-financement-initial\/&quot;,&quot;title&quot;:&quot;Plan de financement initial&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:15}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"681\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/plan-de-financement-initial\/\"\n         data-title=\"Plan de financement initial\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/plan-de-financement-initial\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Tableaux comptables<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Plan de financement initial<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Ce mod\u00e8le sous forme de tableau excel vous permet d&#039;effectuer votre plan de financement initial. (Les cellules et formules ne sont pas prot\u00e9g\u00e9es)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"focusOn__item\"><article class=\"card card--noBg\" data-block=\"focus-on\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:674,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/plan-de-financement-previsonnel-a-trois-ans\/&quot;,&quot;title&quot;:&quot;Plan de financement pr\u00e9visonnel \u00e0 trois ans&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:8}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"674\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/plan-de-financement-previsonnel-a-trois-ans\/\"\n         data-title=\"Plan de financement pr\u00e9visonnel \u00e0 trois ans\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/plan-de-financement-previsonnel-a-trois-ans\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Tableaux comptables<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Plan de financement pr\u00e9visonnel \u00e0 trois ans<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Ce mod\u00e8le sous forme de tableau excel vous permet d&#039;effectuer votre plan de financement pr\u00e9visionnel \u00e0 trois ans. (Les cellules et formules ne sont pas prot\u00e9g\u00e9es)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><\/div><div class=\"navigation\"><button type=\"button\" 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><\/div><\/div>\n\n\n<div style=\"height:20px\" 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\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--noBg\" 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;:129,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-son-plan-de-financement\/&quot;,&quot;title&quot;:&quot;Etablir son plan de financement&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:48}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"129\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-son-plan-de-financement\/\"\n         data-title=\"Etablir son plan de financement\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-son-plan-de-financement\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Etablir son plan de financement<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Vous souhaitez cr\u00e9er ou reprendre une entreprise ? Vous allez d\u00e9velopper votre activit\u00e9 ? Etablir son plan de financement vous aide \u00e0 d\u00e9terminer si votre projet est financi\u00e8rement (...)<\/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;:322,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/calculer-votre-seuil-de-rentabilite\/&quot;,&quot;title&quot;:&quot;Calculer votre seuil de rentabilit\u00e9&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-150x150.jpg&quot;,&quot;likes&quot;:6}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"322\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/calculer-votre-seuil-de-rentabilite\/\"\n         data-title=\"Calculer votre seuil de rentabilit\u00e9\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/calculer-votre-seuil-de-rentabilite\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/seuil-rentabilite-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les pr\u00e9visions financi\u00e8res<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Calculer votre seuil de rentabilit\u00e9<\/span>\n                <\/h3>\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;:544,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/&quot;,&quot;title&quot;:&quot;Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l\\u0027\u00e9tablir ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD-150x150.jpg&quot;,&quot;likes&quot;:12}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"544\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/\"\n         data-title=\"Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l&#039;\u00e9tablir ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">4 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-tresorerie-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les pr\u00e9visions financi\u00e8res<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Plan de tr\u00e9sorerie pr\u00e9visionnel : comment l&#039;\u00e9tablir ?<\/span>\n                <\/h3>\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;:320,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/entreprise\/fonds-de-roulement-calcul\/&quot;,&quot;title&quot;:&quot;Comment calculer le Besoin en Fonds de Roulement (BFR) pour g\u00e9rer ma tr\u00e9sorerie ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-150x150.jpg&quot;,&quot;likes&quot;:13}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"320\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/fonds-de-roulement-calcul\/\"\n         data-title=\"Comment calculer le Besoin en Fonds de Roulement (BFR) pour g\u00e9rer ma tr\u00e9sorerie ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">4 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/fonds-de-roulement-calcul\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/calcul-bfr-2-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Les ratios comptables<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Comment calculer le Besoin en Fonds de Roulement (BFR) pour g\u00e9rer ma tr\u00e9sorerie ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" 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>Un plan de financement est un tableau de gestion pr\u00e9visionnelle. Il permet de calculer les moyens financiers n\u00e9cessaires \u00e0 la r\u00e9alisation de votre projet et donc de valider sa viabilit\u00e9 et sa rentabilit\u00e9. C'est un outil essentiel pour le pilotage financier de votre activit\u00e9. A quoi sert un plan de financement ? Il est indispensable [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":1686,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":15,"views":24834,"viewed_at":"1778492220","newsletter":"0","_yoast_wpseo_primary_category":129,"footnotes":""},"categories":[157,59,88,107,129],"tags":[],"class_list":["post-317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-avant-demprunter","category-creation-reprise","category-la-creation-dentreprise","category-les-financements","category-les-previsions-financieres"],"yoast_head":"<title>Plan de financement : pourquoi, comment l&#039;\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"1 plan de financement est 1 tableau de gestion pr\u00e9visionnelle. Il permet de calculer les financements n\u00e9cessaires \u00e0 votre projet et de le valider.\" \/>\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\/etablir-plan-de-financement\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plan de financement : pourquoi, comment l&#039;\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"og:description\" content=\"1 plan de financement est 1 tableau de gestion pr\u00e9visionnelle. Il permet de calculer les financements n\u00e9cessaires \u00e0 votre projet et de le valider.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/\" \/>\n<meta property=\"og:site_name\" content=\"Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-04T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-17T07:14:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-financement-_BD.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"896\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"bdurand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"bdurand\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/\"},\"author\":{\"name\":\"bdurand\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\"},\"headline\":\"Plan de financement : pourquoi, comment l'\u00e9tablir ?\",\"datePublished\":\"2023-07-04T22:00:00+00:00\",\"dateModified\":\"2026-06-17T07:14:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/\"},\"wordCount\":888,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-financement-_BD.jpg\",\"articleSection\":[\"Avant d'emprunter\",\"Cr\u00e9ation reprise\",\"La cr\u00e9ation d'entreprise\",\"Les financements\",\"Les pr\u00e9visions financi\u00e8res\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/\",\"name\":\"Plan de financement : pourquoi, comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-financement-_BD.jpg\",\"datePublished\":\"2023-07-04T22:00:00+00:00\",\"dateModified\":\"2026-06-17T07:14:09+00:00\",\"description\":\"1 plan de financement est 1 tableau de gestion pr\u00e9visionnelle. Il permet de calculer les financements n\u00e9cessaires \u00e0 votre projet et de le valider.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-financement-_BD.jpg\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/04\\\/plan-financement-_BD.jpg\",\"width\":1344,\"height\":896},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/etablir-plan-de-financement\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Plan de financement : pourquoi, comment l'\u00e9tablir ?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#website\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/\",\"name\":\"Les cl\u00e9s de la banque - Entreprise\",\"description\":\"Les cl\u00e9s de la banque - Entreprise\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#organization\",\"name\":\"Les cl\u00e9s de la banque - Entreprise\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2-1.png\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2-1.png\",\"width\":150,\"height\":100,\"caption\":\"Les cl\u00e9s de la banque - Entreprise\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/entreprise\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\",\"name\":\"bdurand\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"caption\":\"bdurand\"}}]}<\/script>","yoast_head_json":{"title":"Plan de financement : pourquoi, comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise","description":"1 plan de financement est 1 tableau de gestion pr\u00e9visionnelle. Il permet de calculer les financements n\u00e9cessaires \u00e0 votre projet et de le valider.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/","og_locale":"fr_FR","og_type":"article","og_title":"Plan de financement : pourquoi, comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise","og_description":"1 plan de financement est 1 tableau de gestion pr\u00e9visionnelle. Il permet de calculer les financements n\u00e9cessaires \u00e0 votre projet et de le valider.","og_url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/","og_site_name":"Les cl\u00e9s de la banque - Entreprise","article_published_time":"2023-07-04T22:00:00+00:00","article_modified_time":"2026-06-17T07:14:09+00:00","og_image":[{"width":1344,"height":896,"url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-financement-_BD.jpg","type":"image\/jpeg"}],"author":"bdurand","twitter_card":"summary_large_image","twitter_misc":{"Written by":"bdurand","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#article","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/"},"author":{"name":"bdurand","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa"},"headline":"Plan de financement : pourquoi, comment l'\u00e9tablir ?","datePublished":"2023-07-04T22:00:00+00:00","dateModified":"2026-06-17T07:14:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/"},"wordCount":888,"publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#organization"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-financement-_BD.jpg","articleSection":["Avant d'emprunter","Cr\u00e9ation reprise","La cr\u00e9ation d'entreprise","Les financements","Les pr\u00e9visions financi\u00e8res"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/","url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/","name":"Plan de financement : pourquoi, comment l'\u00e9tablir ? - Les pr\u00e9visions financi\u00e8res - Les cl\u00e9s de la banque - Entreprise","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#primaryimage"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-financement-_BD.jpg","datePublished":"2023-07-04T22:00:00+00:00","dateModified":"2026-06-17T07:14:09+00:00","description":"1 plan de financement est 1 tableau de gestion pr\u00e9visionnelle. Il permet de calculer les financements n\u00e9cessaires \u00e0 votre projet et de le valider.","breadcrumb":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#primaryimage","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-financement-_BD.jpg","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/04\/plan-financement-_BD.jpg","width":1344,"height":896},{"@type":"BreadcrumbList","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-plan-de-financement\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lesclesdelabanque.com\/entreprise\/"},{"@type":"ListItem","position":2,"name":"Plan de financement : pourquoi, comment l'\u00e9tablir ?"}]},{"@type":"WebSite","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#website","url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/","name":"Les cl\u00e9s de la banque - Entreprise","description":"Les cl\u00e9s de la banque - Entreprise","publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lesclesdelabanque.com\/entreprise\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#organization","name":"Les cl\u00e9s de la banque - Entreprise","url":"https:\/\/www.lesclesdelabanque.com\/entreprise\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/logo\/image\/","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2-1.png","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2-1.png","width":150,"height":100,"caption":"Les cl\u00e9s de la banque - Entreprise"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.lesclesdelabanque.com\/entreprise\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa","name":"bdurand","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","caption":"bdurand"}}]}},"_links":{"self":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/posts\/317","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/comments?post=317"}],"version-history":[{"count":0,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/posts\/317\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/media\/1686"}],"wp:attachment":[{"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/media?parent=317"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/categories?post=317"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/entreprise\/wp-json\/wp\/v2\/tags?post=317"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}