Quand recourir \u00e0 l\u2019affacturage\u00a0?<\/li>\n<\/ul>\nQu\u2019est ce que l\u2019affacturage\u00a0?<\/h2>\n
L\u2019affacturage, aussi appel\u00e9 full factoring, consiste pour une entreprise \u00e0 c\u00e9der une cr\u00e9ance client (une somme qu’un client doit \u00e0 l’entreprise) \u00e0 une soci\u00e9t\u00e9 externe (soci\u00e9t\u00e9 d’affacturage) qui prend en charge le recouvrement de la cr\u00e9ance et en garantie la bonne fin, m\u00eame en cas de d\u00e9faillance momentan\u00e9e ou permanente du d\u00e9biteur.<\/span>
\nLa soci\u00e9t\u00e9 d’affacturage ( ou \u00ab\u00a0factor\u00a0\u00bb) verse par anticipation tout ou partie du montant de la cr\u00e9ance transf\u00e9r\u00e9e. C’est donc un cr\u00e9dit, puisque le factor verse une somme d\u2019argent avant d\u2019avoir recouvert la cr\u00e9ance.<\/p>\nLes avantages :<\/h3>\n\n- L’affacturage permet de ramener de la tr\u00e9sorerie,
![\"expert](\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/06\/participation-interessement-300x300.png\")
<\/li>\n - L’affacturage permet de r\u00e9duire la charge administrative et les soucis li\u00e9s au suivi (\u00e0 condition d’avoir un factor qui n’impose pas un travail administratif important),<\/li>\n
- L’affacturage permet de dire \u00e0 un client qui n\u00e9gocie un peu trop que la facturation ne d\u00e9pend plus de nous mais d’une soci\u00e9t\u00e9.<\/li>\n<\/ul>\n
Les inconv\u00e9nients:<\/h3>\n\n- Avec l’affacturage vous ne maitrisez pas votre image aupr\u00e8s des clients qui peuvent se sentir brusqu\u00e9s par les m\u00e9thodes de la soci\u00e9t\u00e9 d’affacturage et aller voir ailleurs,<\/li>\n
- En cas de d\u00e9faillance d\u00e9finitive d’un client, la soci\u00e9t\u00e9 d’affacturage risque de se retourner contre vous (en cas d’affacturage avec recours),<\/li>\n
- Le prix de l’affacturage peut lui aussi \u00eatre un frein car sous-traiter un service est souvent plus couteux que de le conserver en interne.<\/li>\n<\/ul>\n
Les services de l\u2019affacturage.<\/h2>\n\n- Le financement : en utilisant l\u2019affacturage, l\u2019entreprise per\u00e7oit en fonction de ses besoins tout ou une partie du montant de la cr\u00e9ance c\u00e9d\u00e9e, et ce dans un d\u00e9lai tr\u00e8s court<\/span> (moins \u00a0de 48h). Ainsi l\u2019entreprise n\u2019a pas besoin d\u2019attendre l\u2019arriv\u00e9e \u00e0 \u00e9ch\u00e9ance de la cr\u00e9ance pour en percevoir le montant.<\/li>\n
- La gestion du poste client : la soci\u00e9t\u00e9 d\u2019affacturage se charge de tous les aspects de cette gestion (l’enregistrement des factures, la relance des d\u00e9biteurs en cas de retard de paiement, elle assure les encaissements et le service contentieux en cas de non paiement). L\u2019affacturage, qui d\u00e9charge ainsi les entreprises d\u2019un certain nombre de contraintes administratives, permet aux entreprises de se consacrer efficacement \u00e0 leur c\u0153ur de m\u00e9tier.<\/li>\n
- La pr\u00e9vention du risque d’impay\u00e9 (l\u2019assurance-cr\u00e9dit) :\u00a0le factor\u00a0propose \u00e0 ses clients de prendre la responsabilit\u00e9 du recouvrement de cr\u00e9ance dans la mesure o\u00f9 elle lui a \u00e9t\u00e9 c\u00e9d\u00e9e. Avec l\u2019affacturage<\/strong> le risque d\u2019impay\u00e9 repose sur le factor et non plus sur l\u2019entreprise<\/span> initialement cr\u00e9anci\u00e8re. En cas d’insolvabilit\u00e9 totale ou partielle, l\u2019entreprise r\u00e9cup\u00e8re malgr\u00e9 tout jusqu’\u00e0 100% du montant de ses cr\u00e9ances.<\/li>\n<\/ul>\n
![\"affacturage\"](\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/06\/affacturage-300x269.png\")
<\/p>\n
Quand recourir \u00e0 l\u2019affacturage\u00a0?<\/h2>\n
Si l\u2019affacturage appara\u00eet comme une solution performante de financement \u00e0 court terme puisqu\u2019elle permet de\u00a0:<\/p>\n
\n- Pr\u00e9venir les risques<\/li>\n
- G\u00e9rer la tr\u00e9sorerie gr\u00e2ce aux versements anticip\u00e9s<\/span><\/li>\n
- Avoir un suivi am\u00e9lior\u00e9 des d\u00e9biteurs (suivi, relances et gestion comptable)<\/li>\n
- \u2026<\/li>\n<\/ul>\n
Cette solution a un co\u00fbt, car les soci\u00e9t\u00e9s d\u2019affacturages ne sont pas des entit\u00e9s philanthropiques. Le taux de financement de l\u2019affacturage peut \u00eatre compar\u00e9 au taux de financement des banques, c’est-\u00e0-dire Euribor 3 auquel s\u2019ajoute de 0,2% a 3%.
\nPour ce qui est de la gestion du poste client, la soci\u00e9t\u00e9 d\u2019affacturage prendra souvent une commission comprise entre 0,1% et 2% du chiffre d\u2019affaire confi\u00e9.
\nIl revient donc \u00e0 chaque entreprise de comparer le co\u00fbt de l\u2019affacturage aux co\u00fbts qu\u2019elle supporte en prenant en charge ce processus elle-m\u00eame (charges salariales, montant des impay\u00e9s, lourdeur administrative\u2026).<\/p>\n
![\"info3\"](\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/05\/info3.png\")
Conseil Valoxy\u00a0:<\/span> Lorsque vous comparez le co\u00fbt de l\u2019affacturage \u00e0 vos co\u00fbts actuels, vous devez prendre en compte le gain de temps r\u00e9alis\u00e9 au niveau administratif\/suivi et pas seulement l\u2019aspect financier pur<\/span> (garantie des impay\u00e9e)<\/p>\nL\u2019affacturage est donc int\u00e9ressant pour g\u00e9rer au mieux sa tr\u00e9sorerie et gagner du temps sur le suivi des cr\u00e9ances. Mais ce n\u2019est pas la seule solution pour g\u00e9rer au mieux sa tr\u00e9sorerie, et si vous avez des questions en mati\u00e8re de tr\u00e9sorerie, de son optimisation par exemple, parlez-en \u00e0 votre expert comptable qui pourra mettre sa comp\u00e9tence et son exp\u00e9rience au service de votre entreprise.<\/p>\n","protected":false},"excerpt":{"rendered":"
Comme nous vous en avions d\u00e9j\u00e0 parl\u00e9 dans un pr\u00e9c\u00e9dent article, les retards de paiements (ou l\u2019absence de paiement) des clients d\u2019une entreprise peuvent la mettre dans une position difficile, notamment au niveau de sa tr\u00e9sorerie. Avec la crise, de…<\/p>\n","protected":false},"author":1,"featured_media":2929,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-4286","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion"],"yoast_head":"\n
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