{"id":2593,"date":"2024-09-10T10:05:28","date_gmt":"2024-09-10T14:05:28","guid":{"rendered":"https:\/\/entrepreneurship.gotothunderbay.ca\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/5cs\/"},"modified":"2024-11-19T11:16:00","modified_gmt":"2024-11-19T15:16:00","slug":"5cs","status":"publish","type":"page","link":"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/5cs\/","title":{"rendered":"5C&rsquo;s"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2593\" class=\"elementor elementor-2593\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb5b431 e-flex e-con-boxed e-con e-parent\" data-id=\"cb5b431\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c67ae99 e-con-full e-flex e-con e-child\" data-id=\"c67ae99\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b5720b7 e-con-full side-menu e-flex e-con e-child\" data-id=\"b5720b7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7337d20 elementor-widget elementor-widget-heading\" data-id=\"7337d20\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conseils pour traiter avec les banques.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12433da elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"12433da\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b270b3a eael-hamburger--none elementor-widget__width-inherit eael_simple_menu_hamburger_disable_selected_menu_no eael-simple-menu-hamburger-align-right elementor-widget elementor-widget-eael-simple-menu\" data-id=\"b270b3a\" data-element_type=\"widget\" data-widget_type=\"eael-simple-menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div data-hamburger-icon=\"&lt;svg aria-hidden=&quot;true&quot; class=&quot;e-font-icon-svg e-fas-bars&quot; viewBox=&quot;0 0 448 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M16 132h416c8.837 0 16-7.163 16-16V76c0-8.837-7.163-16-16-16H16C7.163 60 0 67.163 0 76v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" data-indicator-icon=\"&lt;svg aria-hidden=&quot;true&quot; class=&quot;e-font-icon-svg e-fas-angle-down&quot; viewBox=&quot;0 0 320 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" data-dropdown-indicator-icon=\"&lt;svg class=&quot;e-font-icon-svg e-fas-angle-down&quot; viewBox=&quot;0 0 320 512&quot; xmlns=&quot;http:\/\/www.w3.org\/2000\/svg&quot;&gt;&lt;path d=&quot;M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z&quot;&gt;&lt;\/path&gt;&lt;\/svg&gt;\" class=\"eael-simple-menu-container eael-simple-menu-align-left eael-simple-menu-dropdown-align-left preset-1\" data-hamburger-breakpoints=\"{&quot;mobile&quot;:&quot;Portrait mobile (&gt; 767px)&quot;,&quot;tablet&quot;:&quot;Tablette en mode portrait (&gt; 1024px)&quot;,&quot;desktop&quot;:&quot;Desktop (&gt; 2400px)&quot;,&quot;none&quot;:&quot;None&quot;}\" data-hamburger-device=\"none\">\n                <ul id=\"menu-tips-to-deal-with-banks\" class=\"eael-simple-menu eael-simple-menu-dropdown-animate-to-top eael-simple-menu-indicator eael-simple-menu-vertical\"><li id=\"menu-item-1528\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1528\"><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/financial-help\/tips-for-dealing-with-banks\/5cs\/\">5C&rsquo;s<\/a><\/li>\n<li id=\"menu-item-1534\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1534\"><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/financial-help\/tips-for-dealing-with-banks\/relationship-with-bankers\/\">Relations avec les banquiers<\/a><\/li>\n<li id=\"menu-item-1543\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1543\"><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/financial-help\/tips-for-dealing-with-banks\/credit-facilities\/\">Facilit\u00e9s de cr\u00e9dit<\/a><\/li>\n<li id=\"menu-item-1549\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1549\"><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/financial-help\/tips-for-dealing-with-banks\/other-aspects-of-banking\/\">Autres aspects des services bancaires<\/a><\/li>\n<\/ul>                <button class=\"eael-simple-menu-toggle\">\n                    <span class=\"sr-only \">Hamburger Toggle Menu<\/span>\n                    <svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bars\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M16 132h416c8.837 0 16-7.163 16-16V76c0-8.837-7.163-16-16-16H16C7.163 60 0 67.163 0 76v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16zm0 160h416c8.837 0 16-7.163 16-16v-40c0-8.837-7.163-16-16-16H16c-8.837 0-16 7.163-16 16v40c0 8.837 7.163 16 16 16z\"><\/path><\/svg>                <\/button>\n            <\/div>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4214edc e-con-full e-flex e-con e-child\" data-id=\"4214edc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d20f83c elementor-widget elementor-widget-breadcrumbs\" data-id=\"d20f83c\" data-element_type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/les-bases\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b182348 elementor-widget elementor-widget-heading\" data-id=\"b182348\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3A. 5C's <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63b2ef2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"63b2ef2\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80f89de elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"80f89de\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a530f8 elementor-widget elementor-widget-text-editor\" data-id=\"1a530f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les 5C du cr\u00e9dit sont l\u2019\u00e9pine dorsale de tous les pr\u00eats accord\u00e9s par la plupart des institutions financi\u00e8res. Si vous souhaitez une analyse plus d\u00e9taill\u00e9e, <a href=\"https:\/\/www.investopedia.com\/ask\/answers\/040115\/what-most-important-c-five-cs-credit.asp\">Investopedia<\/a> (en anglais seulement) aborde les 5C en profondeur. <\/p>\n<p><strong>Caract\u00e8re<\/strong><\/p>\n<p>Le caract\u00e8re r\u00e9pond \u00e0 la question \u00ab Vont-ils payer\u2009? \u00bb. Il \u00e9tudie vos ant\u00e9c\u00e9dents, vos capacit\u00e9s et vos ant\u00e9c\u00e9dents, ainsi que sur votre organisation et au-del\u00e0. C\u2019est \u00e9galement \u00e0 ce niveau que se situent votre cote de cr\u00e9dit et vos v\u00e9rifications de solvabilit\u00e9. Une banque examinera vos ant\u00e9c\u00e9dents en mati\u00e8re d\u2019endettement professionnel et personnel.   <\/p>\n<p>Bien qu\u2019il s\u2019agisse d\u2019un \u00e9l\u00e9ment important, s\u2019il y a eu une p\u00e9riode difficile dans votre historique, les banques sont parfois dispos\u00e9es \u00e0 passer outre, en fonction de la gravit\u00e9, et s\u2019il y a un changement clair et une explication raisonnable.<\/p>\n<p>Une chose \u00e0 noter est que si vous devez actuellement des fonds au gouvernement, \u00e0 titre personnel ou commercial, la banque ne sera probablement pas dispos\u00e9e \u00e0 fournir des fonds, jusqu\u2019\u00e0 ce qu\u2019un accord soit conclu ou que la dette soit r\u00e9gl\u00e9e.<\/p>\n<p><strong>Capital \/ Immobilisations<\/strong><\/p>\n<p>Le capital examine vos actifs et le montant total du capital dont vous disposez dans votre entreprise, ce qui permet \u00e0 la banque de comprendre l\u2019\u00e9tat de votre situation financi\u00e8re. Elle verra dans quelle mesure vous avez recours \u00e0 l\u2019effet de levier ou, comme mentionn\u00e9 ci-dessus, dans quelle mesure votre entreprise est financ\u00e9e par la dette ou par les investisseurs. <\/p>\n<p><strong>Capacit\u00e9<\/strong><\/p>\n<p>Cette section sert \u00e0 d\u00e9terminer votre capacit\u00e9 \u00e0 maintenir et \u00e0 prendre en charge davantage de financement par l\u2019entremise d\u2019un pr\u00eat. Cette capacit\u00e9 est d\u00e9termin\u00e9e par un ratio connu sous le nom de ratio de service de la dette, que nous explorerons plus en d\u00e9tail dans la section consacr\u00e9e aux ratios. Par contre, il s\u2019agit essentiellement de savoir quel est le revenu d\u2019exploitation disponible pour couvrir les obligations actuelles.  <\/p>\n<p><strong>Garantie<\/strong><\/p>\n<p>La garantie est ce que vous pouvez apporter au cas o\u00f9 vous ne seriez pas en mesure de payer. Au minimum, il s\u2019agit g\u00e9n\u00e9ralement d\u2019une garantie personnelle illimit\u00e9e. Cela signifie qu\u2019en cas d\u2019incapacit\u00e9 de paiement, ce qui conduirait \u00e0 une faillite, vous \u00eates personnellement responsable du remboursement du pr\u00eat.  <\/p>\n<p>Il existe ensuite ce que l\u2019on appelle un contrat de s\u00fbret\u00e9 g\u00e9n\u00e9rale, dans lequel une large garantie est constitu\u00e9e sur tous les actifs d\u00e9tenus \u00e0 l\u2019entreprise.<\/p>\n<p>Enfin, il y a la garantie par des biens immobiliers, dans laquelle vous garantissez un bien immobilier contre un pr\u00eat. Ce type de garantie permet g\u00e9n\u00e9ralement d\u2019obtenir le taux d\u2019int\u00e9r\u00eat le plus bas.<\/p>\n<p><strong>Conditions<\/strong><\/p>\n<p>Le dernier C est ce qu\u2019on appelle les conditions, dans lesquelles la banque appliquera des mesures sp\u00e9cifiques que vous devrez suivre et respecter pour pouvoir conserver le pr\u00eat. Ces mesures peuvent consister \u00e0 maintenir certains ratios, tels qu\u2019un maximum de cr\u00e9ances et de dettes, ou m\u00eame l\u2019utilisation sp\u00e9cifique de l\u2019actif en question. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a2d1d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a9a2d1d\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-left\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M257.5 445.1l-22.2 22.2c-9.4 9.4-24.6 9.4-33.9 0L7 273c-9.4-9.4-9.4-24.6 0-33.9L201.4 44.7c9.4-9.4 24.6-9.4 33.9 0l22.2 22.2c9.5 9.5 9.3 25-.4 34.3L136.6 216H424c13.3 0 24 10.7 24 24v32c0 13.3-10.7 24-24 24H136.6l120.5 114.8c9.8 9.3 10 24.8.4 34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52887cf elementor-widget elementor-widget-heading\" data-id=\"52887cf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/\">3. Conseils pour traiter avec les banques.<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fee1340 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"fee1340\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0647055 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0647055\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Suivante<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-034211f elementor-widget elementor-widget-heading\" data-id=\"034211f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/relations-avec-les-banquiers\/\">3B. Relations avec les banquiers <\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f8b1b3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9f8b1b3\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfd4599 e-con-full e-flex e-con e-child\" data-id=\"cfd4599\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9691ce0 elementor-widget elementor-widget-heading\" data-id=\"9691ce0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Menu d'aide financi\u00e8re<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9fd4698 e-grid e-con-full e-con e-child\" data-id=\"9fd4698\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e7b6e2 elementor-widget elementor-widget-text-editor\" data-id=\"1e7b6e2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n<li><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/comment-obtenir-des-subventions\/\">Comment obtenir des subventions<\/a><\/li>\n<li><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/programmes-de-financement\/\">Programmes de financement<\/a><\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fe129d elementor-widget elementor-widget-text-editor\" data-id=\"6fe129d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"3\">\n<li style=\"list-style-type: none\">\n<ol start=\"3\">\n<li><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/\">Conseils pour traiter avec les banques.<\/a><\/li>\n<li><a href=\"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/comprendre-vos-finances\/\">Comprendre vos finances<\/a><\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Conseils pour traiter avec les banques. 3A. 5C\u2019s 3B. Relationship with bankers 3C. Credit Facilities 3D. Other Aspects of Banking Humberger Toggle Menu 3A. 5C&rsquo;s Les 5C du cr\u00e9dit sont l\u2019\u00e9pine dorsale de tous les pr\u00eats accord\u00e9s par la plupart des institutions financi\u00e8res. Si vous souhaitez une analyse plus d\u00e9taill\u00e9e, Investopedia (en anglais seulement) aborde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2591,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2593","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5C&#039;s - Entrepreneurship Centre<\/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:\/\/entrepreneurship.gotothunderbay.ca\/financial-help\/tips-for-dealing-with-banks\/5cs\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5C&#039;s - Entrepreneurship Centre\" \/>\n<meta property=\"og:description\" content=\"Conseils pour traiter avec les banques. 3A. 5C\u2019s 3B. 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