{"id":580,"date":"2025-05-19T00:00:00","date_gmt":"2025-05-18T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/2016\/10\/12\/financer-ma-tpe-laffacturage\/"},"modified":"2025-07-25T16:43:39","modified_gmt":"2025-07-25T14:43:39","slug":"guide-affacturage","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/guide-affacturage\/","title":{"rendered":"Financer ma TPE : l'affacturage"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">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 les paient et ainsi de disposer de liquidit\u00e9s imm\u00e9diates. C\u2019est l\u2019\u00e9tablissement de cr\u00e9dit sp\u00e9cialis\u00e9 (factor) \u00e0 qui vous les c\u00e9dez qui vous avance leur montant. Le factor peut prendre aussi en charge, moyennant une r\u00e9mun\u00e9ration, tout ce qui est li\u00e9 \u00e0 ces factures : suivi, relance, recouvrement\u2026 il peut m\u00eame int\u00e9grer le risque d\u2019impay\u00e9s s\u2019il y a lieu. Comme pour tout financement, l\u2019affacturage est soumis \u00e0 l\u2019accord pr\u00e9alable de l\u2019organisme financier.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><a href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/CDB_Guide-04-Financer-ma-TPE-Affacturage-Mise-en-ligne.pdf\"><img loading=\"lazy\" decoding=\"async\" width=\"357\" height=\"498\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture.png\" alt=\"\" class=\"wp-image-13697\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture.png 357w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture-215x300.png 215w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture-57x80.png 57w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture-337x470.png 337w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture-179x250.png 179w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Financer-ma-TPE-Affacturage-couverture-36x50.png 36w\" sizes=\"auto, (max-width: 357px) 100vw, 357px\" \/><\/a><\/figure><\/div>\n\n\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les avantages de l'affacturage ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avec l\u2019<a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/affacturage\/\" target=\"_blank\" rel=\"noreferrer noopener\">affacturage<\/a>, votre entreprise ne subit ni les paiements \u00e9chelonn\u00e9s ni les d\u00e9lais de paiement. De plus, contrairement \u00e0 la cession Dailly, vous pouvez b\u00e9n\u00e9ficier selon les termes de votre contrat de la prise en charge par le factor du suivi et du recouvrement des impay\u00e9s en cas d\u2019insolvabilit\u00e9 de vos clients. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019affacturage s\u2019adresse \u00e0<strong> tout type d\u2019entreprise <\/strong>(artisans, commer\u00e7ants, associations, professions lib\u00e9rales, micro-entrepreneurs\u2026) quelle que soit leur activit\u00e9 ou leur taille, <strong>\u00e0 condition que leurs clients soient d\u2019autres professionnels<\/strong> : entreprises ou administrations. L\u2019affacturage ne peut pas \u00eatre utilis\u00e9 pour les factures \u00e0 r\u00e9gler de vos clients particuliers. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En choisissant l\u2019affacturage, vous : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>\u00eates pay\u00e9 rapidement<\/strong> (24 \u00e0 48h selon le factor) c\u2019est-\u00e0-dire bien avant l\u2019\u00e9ch\u00e9ance de la facture ; <\/li><li><strong>disposez d\u2019une visibilit\u00e9<\/strong> plus grande sur votre tr\u00e9sorerie ; <\/li><li>gagnez du temps pour vous <strong>consacrer au d\u00e9marchage commercial et au d\u00e9veloppement de votre entreprise<\/strong> ; <\/li><li><strong>limitez les risques d\u2019impay\u00e9s<\/strong>. <\/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<p class=\"wp-block-paragraph\"><strong>En s\u00e9curisant votre poste clients, vous donnez un gage de s\u00e9rieux \u00e0 vos partenaires commerciaux et financiers.<\/strong><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Il existe une forme dit \u00ab <strong>affacturage invers\u00e9 <\/strong>\u00bb : dans ce cas c\u2019est l\u2019acheteur qui signe un contrat avec la soci\u00e9t\u00e9 d\u2019affacturage. Le paiement est alors effectu\u00e9 pour l\u2019ensemble ou une partie choisie des fournisseurs (ex. fournisseurs strat\u00e9giques). Le fournisseur peut b\u00e9n\u00e9ficier d\u2019un paiement anticip\u00e9 (d\u00e8s le bon \u00e0 payer irr\u00e9vocable de l\u2019acheteur) ou d\u2019un paiement comptant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment mettre en place l'affacturage ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous convenez ensemble d\u2019une solution d\u2019affacturage, votre banque vous mettra en relation avec un <strong>factor<\/strong>, soci\u00e9t\u00e9 de financement ou \u00e9tablissement sp\u00e9cialis\u00e9, souvent une de ses filiales. Le <strong>contrat d\u2019affacturage <\/strong>propos\u00e9 par le factor fixera le cadre dans lequel votre entreprise pourra c\u00e9der ses factures. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le factor va \u00e9valuer les risques li\u00e9s au r\u00e8glement de vos factures (avoirs, litiges, impay\u00e9s\u2026). Pour se pr\u00e9munir, il pourra : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>demander une <strong>assurance-cr\u00e9dit,<\/strong> sauf si vous travaillez avec des collectivit\u00e9s ou des administrations par exemple (le risque de non-paiement est limit\u00e9) ; <\/li><li>constituer un <strong>fonds de garantie<\/strong> en retenant sur vos 1\u00e8res factures une somme proportionnelle \u00e0 votre poste clients (c\u2019est-\u00e0-dire l\u2019ensemble des factures \u00e9mises par votre entreprise sur vos clients). Le factor pourra ensuite financer jusqu\u2019\u00e0 100 % du montant des factures suivantes.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Leurs modalit\u00e9s sont d\u00e9finies au cas par cas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Optionnelle, l'assurance-cr\u00e9dit peut \u00eatre souscrite aupr\u00e8s du factor ou de l\u2019assureur-cr\u00e9dit de votre choix. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance-cr\u00e9dit peut aussi vous renseigner utilement sur la solvabilit\u00e9 de vos prospects ou clients et vous aider dans la s\u00e9lection de vos relations commerciales, selon le risque pr\u00e9sent\u00e9. <\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Les sommes non utilis\u00e9es du fonds de garantie sont restitu\u00e9es en cas de rupture de vos relations avec le factor ou de non-renouvellement du contrat.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment se d\u00e9roulent les op\u00e9rations d'affacturage ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour chacun de vos clients, vous devez indiquer au factor \u00e0 l\u2019aide d\u2019un <strong>bordereau d\u2019affacturage<\/strong> le montant et le nom du client de chacune des factures que vous lui confiez, ses coordonn\u00e9es et son num\u00e9ro de Siret. Le <strong>factor analyse<\/strong> la situation du client pour mesurer le risque d\u2019impay\u00e9 avant de vous donner son accord sur un niveau de garantie pour ces cr\u00e9ances. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u2019il est d\u2019accord, <strong>vous devez<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>remettre au factor la copie des factures<\/strong> que vous avez \u00e9mises en mentionnant les d\u00e9lais de paiement ou remises accord\u00e9s \u00e0 votre client ;<\/li><li><strong>informer votre client <\/strong>que vous c\u00e9dez vos cr\u00e9ances \u00e0 un factor (mention sur la facture notamment).<\/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<p class=\"wp-block-paragraph\">Le <strong>factor vous avance alors la somme<\/strong> correspondant \u00e0 chaque facture re\u00e7ue, d\u00e9duction faite des frais et du pourcentage qu\u2019il pr\u00e9l\u00e8ve pour constituer le fonds de garantie. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, le <strong>factor re\u00e7oit le paiement des factures \u00e0 \u00e9ch\u00e9ance<\/strong> directement par votre client. \u00c0 d\u00e9faut, il g\u00e8re les \u00e9ventuels impay\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lire la suite du guide \"Financer ma TPE : L'affacturage\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Que se passe t-il en cas d'impay\u00e9(s) ?<\/li><li>Combien \u00e7a co\u00fbte ? <\/li><li>L'essentiel<br><\/li><\/ul>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/www.calameo.com\/read\/002024705bfe874ebe1d4\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\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=\"publications\"><div class=\"publications__inner\"><article class=\"publication 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class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Financer ma TPE : Mobilisation de cr\u00e9ances professionnelles par cession Dailly\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/guide-cession-dailly\/\">\n                Financer ma TPE : Mobilisation de cr\u00e9ances professionnelles par cession Dailly            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Derri\u00e8re ce nom*, se cache un mode sp\u00e9cifique de financement de tr\u00e9sorerie qui vous permet d\u2019\u00eatre r\u00e9gl\u00e9, par la banque, du montant des factures que vous avez \u00e9mises, avant...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header 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class=\"publication__extract\">Selon la nature de votre activit\u00e9, votre tr\u00e9sorerie peut subir des fluctuations importantes. Pour vous permettre de r\u00e9gler vos fournisseurs et autres d\u00e9penses, vous pouvez...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>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 les paient et ainsi de disposer de liquidit\u00e9s imm\u00e9diates. C\u2019est l\u2019\u00e9tablissement de cr\u00e9dit sp\u00e9cialis\u00e9 (factor) \u00e0 qui vous les c\u00e9dez qui vous avance leur montant. [&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":30,"views":5593,"viewed_at":"1778492480","newsletter":"0","_yoast_wpseo_primary_category":48,"footnotes":""},"categories":[4,121,48,47],"tags":[],"class_list":["post-580","post","type-post","status-publish","format-standard","hentry","category-boite-a-outils","category-financement-tpe","category-guides-bancaires","category-publications"],"yoast_head":"<title>Financer ma TPE : l&#039;affacturage - Guides bancaires - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"L\u2019affacturage vous permet d\u2019\u00eatre r\u00e9gl\u00e9 du montant des factures que vous avez \u00e9mises, avant que vos clients ne les paient.\" \/>\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\/guide-affacturage\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financer ma TPE : l&#039;affacturage - 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