{"id":7665,"date":"2014-04-29T08:00:03","date_gmt":"2014-04-29T06:00:03","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=7665"},"modified":"2025-07-28T16:54:02","modified_gmt":"2025-07-28T14:54:02","slug":"affacturage-combien-ca-coute-04242014avallau03","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/affacturage-combien-ca-coute-04242014avallau03\/","title":{"rendered":"Combien co\u00fbte l&rsquo;affacturage ?"},"content":{"rendered":"<p><span style=\"line-height: 1.5em;\">L&rsquo;affacturage est une m\u00e9thode de financement utilis\u00e9e par les entreprises qui consiste \u00e0 c\u00e9der les cr\u00e9ances qu\u2019elles poss\u00e8dent aupr\u00e8s de leurs clients \u00e0 un organisme financier qui en assurera le recouvrement. <span class=\"exergue\">En agissant de la sorte l\u2019entreprise finance son poste client en r\u00e9cup\u00e9rant imm\u00e9diatement <a title=\"Comment financer son besoin en fonds de roulement ?\" href=\"https:\/\/valoxy.org\/blog\/financer-besoin-e-fonds-de-roulement17072014avalchiib1\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>la tr\u00e9sorerie immobilis\u00e9e chez ces clients<\/strong><\/a>.<\/span> Si l\u2019affacturage permet <a title=\"Bien g\u00e9rer la tr\u00e9sorerie de son entreprise\" href=\"https:\/\/valoxy.org\/blog\/bien-gerer-tresorerie-entreprise\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>d\u2019am\u00e9liorer sensiblement la tr\u00e9sorerie de l\u2019entreprise<\/strong><\/a>, il repr\u00e9sente n\u00e9anmoins un co\u00fbt qu\u2019il convient de conna\u00eetre lorsqu\u2019on souhaite le ma\u00eetriser.<\/span><\/p>\n<p>Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts de France, d\u00e9taille dans cet article tous les co\u00fbts li\u00e9s \u00e0 l&rsquo;affacturage.<\/p>\n<figure id=\"attachment_6457\" aria-describedby=\"caption-attachment-6457\" style=\"width: 244px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\" wp-image-6457 \" title=\"cr\u00e9ation d'entreprise : affacturage : combien \u00e7a co\u00fbte ?\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/green-red-light-1.jpg\" alt=\"expertise comptable : affacturage : combien \u00e7a co\u00fbte ?\" width=\"244\" height=\"134\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/green-red-light-1.jpg 1500w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/green-red-light-1-300x165.jpg 300w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/green-red-light-1-1024x562.jpg 1024w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/green-red-light-1-768x421.jpg 768w\" sizes=\"(max-width: 244px) 100vw, 244px\" \/><figcaption id=\"caption-attachment-6457\" class=\"wp-caption-text\">Affacturage : combien \u00e7a co\u00fbte ?<\/figcaption><\/figure>\n<h2>Les composantes du co\u00fbt de l\u2019affacturage<\/h2>\n<p>L\u2019affacturage peut repr\u00e9senter un co\u00fbt important pour les entreprises qui souhaitent \u00e9viter de se charger du recouvrement de leurs cr\u00e9ances client. Il comprend :<\/p>\n<ul>\n<li>Une commission d\u2019affacturage,<\/li>\n<li>Une commission de financement,<\/li>\n<li>Des frais de dossier.<\/li>\n<\/ul>\n<p><span class=\"exergue\">L\u2019ensemble de ces co\u00fbts peut repr\u00e9senter entre 7% et 15% du montant des cr\u00e9ances c\u00e9d\u00e9es,<\/span> plus une retenue de garantie qui s\u2019\u00e9l\u00e8ve g\u00e9n\u00e9ralement \u00e0 10% des cr\u00e9ances c\u00e9d\u00e9es.<\/p>\n<h2>La commission d\u2019affacturage<\/h2>\n<p><strong><span class=\"exergue\"><img decoding=\"async\" class=\" wp-image-6365 alignright\" style=\"margin-left: 10px;\" title=\"le co\u00fbt de la commission d'affacturage\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/taux-de-marge.jpg\" alt=\"la commission d'affacturage\" width=\"178\" height=\"205\" \/>Celle-ci est un pourcentage du chiffre d\u2019affaires de la cr\u00e9ance qui va \u00eatre reprise par la soci\u00e9t\u00e9 d\u2019affacturage.<\/span><\/strong> Ce tarif comprend\u00a0:<\/p>\n<ul>\n<li>Le co\u00fbt de traitement du dossier,<\/li>\n<li>L\u2019assurance contre les impay\u00e9s,<\/li>\n<li>La marge du prestataire.<\/li>\n<\/ul>\n<p>Bien souvent les \u00e9tablissements bancaires imposent une commission minimum annuelle.<\/p>\n<p>Il est important de n\u00e9gocier le taux de commission d\u00e8s le d\u00e9but (elle peut aller du simple au double selon les \u00e9tablissements bancaires) car il est difficile de le ren\u00e9gocier ensuite sans changer d\u2019\u00e9tablissement.<\/p>\n<h2>La commission de financement<\/h2>\n<p><strong><span class=\"exergue\">La commission de financement correspond au taux d\u2019int\u00e9r\u00eat qui sera utilis\u00e9 pour financer les factures en attente de paiement.<\/span><\/strong> Ce taux est habituellement proche du taux Dailly, et s\u2019applique sur le montant avanc\u00e9 en attendant le paiement du client.<\/p>\n<p><img decoding=\"async\" class=\" wp-image-6472 alignright\" style=\"margin-left: 10px;\" title=\"affacturage : les frais de dossiers\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/dossiers.jpg\" alt=\"les frais de dossier dans l'affacturage\" width=\"168\" height=\"168\" \/><\/p>\n<h2>Les frais de dossiers<\/h2>\n<p>Les frais de dossiers sont des frais fixes dont le montant s\u2019\u00e9l\u00e8ve entre 75 et 1 000 euros HT. Ils correspondent<span class=\"exergue\"> aux frais factur\u00e9s par l\u2019\u00e9tablissement bancaire lors de la pr\u00e9sentation d\u2019un nouveau client au factor<\/span> (la soci\u00e9t\u00e9 d\u2019affacturage).<\/p>\n<h2>Le fonds de garantie<\/h2>\n<p>Le fonds de garantie est <span class=\"exergue\">un fonds destin\u00e9 \u00e0 couvrir les \u00e9ventuels impay\u00e9s confi\u00e9s au factor<\/span>. Il est constitu\u00e9 par le pr\u00e9l\u00e8vement d\u2019un montant repr\u00e9sentant environ 10% des factures confi\u00e9es (le pourcentage d\u00e9pend du contrat et du niveau de risque estim\u00e9 par le factor).<\/p>\n<div class=\"encadre-style\">La somme pr\u00e9lev\u00e9e sur chacune des factures remises sert \u00e0 abonder le fonds, et une fois celui-ci totalement constitu\u00e9, la retenue de garantie n\u2019est plus pr\u00e9lev\u00e9e, mais le fonds est conserv\u00e9 par le factor jusqu&rsquo;\u00e0 la fin du contrat d&rsquo;affacturage.<\/p>\n<p>En cas de difficult\u00e9s de paiement, le factor utilisera le fonds pour le recouvrement des factures impay\u00e9es. Le montant du fonds est restitu\u00e9 \u00e0 l\u2019entreprise lorsque la relation commerciale entre le factor et l\u2019entreprise cesse.<\/div>\n<h2>Comment g\u00e9rer ses frais d\u2019affacturage ?<\/h2>\n<p>Pour r\u00e9duire les frais d\u2019affacturage il faut bien s\u00fbr n\u00e9gocier chaque composante de son co\u00fbt, que ce soit la commission d\u2019affacturage, la commission de financement, le pourcentage du fonds de garantie. Chaque \u00e9l\u00e9ment de facturation doit faire l\u2019objet d\u2019une n\u00e9gociation.<\/p>\n<p>Par ailleurs, quelques \u00e9vidences permettront \u00e0 l\u2019entreprise de limiter les co\u00fbts\u00a0:<\/p>\n<ul>\n<li>Ne faire financer que <span class=\"exergue\">les factures les plus importantes des gros clients,<\/span><\/li>\n<li><span class=\"exergue\">Regrouper les facturations<\/span> pour limiter les co\u00fbts de gestion,<\/li>\n<li><span class=\"exergue\">Ren\u00e9gocier r\u00e9guli\u00e8rement le contrat<\/span> en faisant habilement jouer la concurrence,<\/li>\n<li><span class=\"exergue\">Suivre les frais factur\u00e9s<\/span> par l\u2019\u00e9tablissement bancaire (des erreurs sont toujours possibles)<\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">Cet article vous a \u00e9t\u00e9 utile ? Pour en savoir plus sur l\u2019affacturage et le recouvrement des cr\u00e9ances, retrouvez nos articles sur le blog de Valoxy :<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/affacturage-assurance-credit\/\"><span class=\"s3\">L\u2019affacturage et l\u2019assurance-cr\u00e9dit<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/affacturage\/\"><span class=\"s3\">L\u2019affacturage : une solution de financement efficace ?<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/recouvrement-creances\/\"><span class=\"s3\">Le recouvrement de cr\u00e9ances<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/les-outils-digitaux-de-recouvrement-de-creance\/\"><span class=\"s3\">Les outils digitaux de recouvrement de cr\u00e9ance<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/credit-documentaire-04092014avimex1\/\"><span class=\"s3\">Qu\u2019est-ce qu\u2019un cr\u00e9dit documentaire ?<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/dirigeants-comment-reduire-ou-eviter-les-retards-de-paiement\/\"><span class=\"s3\">Entrepreneurs et dirigeants : comment r\u00e9duire les d\u00e9lais de paiement de vos clients ?<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;affacturage est une m\u00e9thode de financement utilis\u00e9e par les entreprises qui consiste \u00e0 c\u00e9der les cr\u00e9ances qu\u2019elles poss\u00e8dent aupr\u00e8s de leurs clients \u00e0 un organisme financier qui en assurera le recouvrement. En agissant de la sorte l\u2019entreprise finance son poste&#8230;<\/p>\n","protected":false},"author":1,"featured_media":4297,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-7665","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Combien co\u00fbte l&#039;affacturage ? | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"L&#039;affacturage consiste \u00e0 c\u00e9der les cr\u00e9ances clients qu\u2019une entreprise poss\u00e8de \u00e0 un organisme financier qui en assurera le recouvrement.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" 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