{"id":557,"date":"2017-03-07T00:00:00","date_gmt":"2017-03-07T00:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2017\/03\/07\/le-manque-de-capitaux\/"},"modified":"2025-07-31T15:16:27","modified_gmt":"2025-07-31T13:16:27","slug":"le-manque-de-capitaux","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-manque-de-capitaux\/","title":{"rendered":"Le manque de capitaux"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Le manque de capitaux dans une entreprise en phase de d\u00e9marrage peut se faire rapidement ressentir. Notamment si le plan de tr\u00e9sorerie pr\u00e9vu initialement n'est plus tenu, si la tr\u00e9sorerie devient n\u00e9gative ponctuellement avec une augmentation des frais bancaires. Il est n\u00e9cessaire d'agir rapidement en cons\u00e9quence.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les principales causes d'un manque de capitaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Il existe de tr\u00e8s nombreuses causes \u00e0 l'origine d'un manque de capitaux dans l'entreprise. Citons par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un manque de capitaux d\u00e8s la constitution du projet (par exemple un financement non obtenu),<\/li><li>un pr\u00e9visionnel de tr\u00e9sorerie trop optimiste,<\/li><li>un <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/des-ventes-trop-faibles\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9marrage d'activit\u00e9<\/a> trop lent,<\/li><li>une croissance de l'activit\u00e9 trop lente ou trop rapide (avec des besoins de tr\u00e9sorerie mal \u00e9valu\u00e9s),<\/li><li>des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/letat-de-votre-stock\/\" target=\"_blank\" rel=\"noreferrer noopener\">stocks<\/a> trop importants d\u00e8s la cr\u00e9ation,<\/li><li>un d\u00e9faut de paiement d'un client,<\/li><li>des <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/les-delais-de-reglement\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9lais de r\u00e8glements<\/a> aux fournisseurs trop courts,<\/li><li>des d\u00e9lais de paiement clients trop longs.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les solutions au manque de capitaux<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>De m\u00eame qu'il existe de nombreuses causes \u00e0 un manque de capitaux, il existe pratiquement autant de solutions, \u00e0 condition de les mettre en application d\u00e8s l'apparition des premiers sympt\u00f4mes du manque de tr\u00e9sorerie, c'est \u00e0 dire d\u00e8s les premiers d\u00e9bits en compte non pr\u00e9vus au plan de financement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">L'apport personnel<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/utilite-et-montant-de-lapport-personnel\/\" target=\"_blank\" rel=\"noreferrer noopener\">L'apport personnel<\/a>, lorsque c'est possible, est la solution la plus souple et la plus rapide pour combler un manque de tr\u00e9sorerie impr\u00e9vu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est d'ailleurs recommand\u00e9, que cet apport soit suffisant pour conserver une marge de s\u00e9curit\u00e9 et pallier d'\u00e9ventuels impr\u00e9vus dans la tr\u00e9sorerie de votre entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cependant, si le niveau d'apport personnel dans sa cr\u00e9ation d'entreprise a \u00e9t\u00e9 bien mesur\u00e9, ce rem\u00e8de n'est pas la seule solution.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les cr\u00e9dits d'exploitation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>La banque peut \u00eatre sollicit\u00e9e pour participer \u00e0 ce besoin de tr\u00e9sorerie, \u00e0 titre ponctuel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas, il est important de bien comprendre les raisons de la d\u00e9faillance du plan de tr\u00e9sorerie initial, et repr\u00e9senter un nouveau <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/etablir-votre-plan-de-tresorerie-previsionnel\/\" target=\"_blank\" rel=\"noreferrer noopener\">plan de tr\u00e9sorerie<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les solutions bancaires pour participer \u00e0 ce besoin de tr\u00e9sorerie seront adapt\u00e9es \u00e0 votre besoin, il peut s'agir :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d'une <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/la-facilite-de-caisse\/\" target=\"_blank\" rel=\"noreferrer noopener\">facilit\u00e9 de caisse<\/a>, pour pallier un besoin de tr\u00e9sorerie ponctuel et passager,<\/li><li>d'un <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-decouvert-autorise\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u00e9couvert autoris\u00e9<\/a>, pour pallier une besoin de tr\u00e9sorerie permanent,<\/li><li>d'un <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/credit-de-campagne\/\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9dit de campagne<\/a>, c'est \u00e0 dire un d\u00e9couvert autoris\u00e9 et modul\u00e9 dans le temps pour accompagner un cycle de production saisonnier (fabricant de jouets, location de skis,\u2026),<\/li><li>de <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/quest-ce-que-lescompte\/\" target=\"_blank\" rel=\"noreferrer noopener\">l'escompte<\/a>, pour pallier des d\u00e9lais clients trop longs, s'ils r\u00e8glent par effets de commerce,<\/li><li>de <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/quest-ce-que-laffacturage-ou-factoring\/\" target=\"_blank\" rel=\"noreferrer noopener\">l'affacturage<\/a>, pour faire refinancer l'ensemble du poste client devenu trop lourd,<\/li><li><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/quest-ce-que-la-mobilisation-de-creances-professionnelles\/\" target=\"_blank\" rel=\"noreferrer noopener\">la mobilisation de cr\u00e9ances Loi Dailly<\/a>, pour refinancer les cr\u00e9ances clients.<br><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les financements bancaires<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Si le plan de financement a trop privil\u00e9gi\u00e9 l'apport personnel au d\u00e9triment d'un pr\u00eat bancaire \u00e0 la cr\u00e9ation d'entreprise, il n'est pas forc\u00e9ment trop tard pour solliciter aupr\u00e8s de sa banque une participation financi\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Surtout, si le manque de tr\u00e9sorerie provient d'un d\u00e9veloppement trop important qui engendre des co\u00fbts suppl\u00e9mentaires, qui n'\u00e9taient pas pr\u00e9visibles au moment de la cr\u00e9ation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans ce cas les solutions bancaires pour participer \u00e0 ce financement sont nombreux, et seront adapt\u00e9es \u00e0 votre besoin ; il peut s'agir :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d'un pr\u00eat bancaire classique moyen terme, destin\u00e9 \u00e0 financer un bien mobilier, un besoin en fonds de roulement,<\/li><li>d'un cr\u00e9dit bail, destin\u00e9 \u00e0 financer un v\u00e9hicule,<\/li><li>etc \u2026<\/li><\/ul>\n\n\n\n<div style=\"height:100px\" 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 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<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><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>Le manque de capitaux dans une entreprise en phase de d\u00e9marrage peut se faire rapidement ressentir. Notamment si le plan de tr\u00e9sorerie pr\u00e9vu initialement n'est plus tenu, si la tr\u00e9sorerie devient n\u00e9gative ponctuellement avec une augmentation des frais bancaires. Il est n\u00e9cessaire d'agir rapidement en cons\u00e9quence. Les principales causes d'un manque de capitaux Il existe [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":3814,"viewed_at":"1778477738","newsletter":"0","_yoast_wpseo_primary_category":150,"footnotes":""},"categories":[91,150,90],"tags":[],"class_list":["post-557","post","type-post","status-publish","format-standard","hentry","category-lactivite-de-lentreprise","category-les-postes-a-surveiller","category-vie-de-lentreprise"],"yoast_head":"<title>Le manque de capitaux - Les postes \u00e0 surveiller - Les cl\u00e9s de la banque - Entreprise<\/title>\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\/le-manque-de-capitaux\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le manque de capitaux - Les postes \u00e0 surveiller - Les cl\u00e9s de la banque - Entreprise\" \/>\n<meta property=\"og:description\" content=\"Le manque de capitaux dans une entreprise en phase de d\u00e9marrage peut se faire rapidement ressentir. 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