{"id":2599,"date":"2024-09-10T10:10:54","date_gmt":"2024-09-10T14:10:54","guid":{"rendered":"https:\/\/entrepreneurship.gotothunderbay.ca\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/facilites-de-credit\/"},"modified":"2025-03-27T14:18:23","modified_gmt":"2025-03-27T18:18:23","slug":"facilites-de-credit","status":"publish","type":"page","link":"https:\/\/entrepreneurship.gotothunderbay.ca\/fr\/aide-financiere\/conseils-pour-traiter-avec-les-banques\/facilites-de-credit\/","title":{"rendered":"Facilit\u00e9s de cr\u00e9dit"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2599\" class=\"elementor elementor-2599\" 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-96c68ac elementor-widget elementor-widget-breadcrumbs\" data-id=\"96c68ac\" 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\">3C. Facilit\u00e9s de cr\u00e9dit <\/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-8704d4f elementor-widget elementor-widget-text-editor\" data-id=\"8704d4f\" 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>Il existe de nombreuses options, et chacune sert un objectif diff\u00e9rent pour votre entreprise. Certaines, comme une ligne de cr\u00e9dit, sont id\u00e9ales pour garantir la gestion de vos flux de tr\u00e9sorerie et celle de votre quotidien. Les pr\u00eats \u00e0 terme, quant \u00e0 eux, sont mieux adapt\u00e9s pour des investissements en capital \u00e0 plus long terme dans votre entreprise. Il est donc important d\u2019avoir une conversation avec votre banquier ou votre comptable pour savoir quelle serait la meilleure solution pour les besoins de votre entreprise.   <\/p>\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-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><strong>Ligne de cr\u00e9dit<\/strong><\/p>\n<p>Les lignes de cr\u00e9dit (LDC) se pr\u00e9sentent sous diff\u00e9rentes formes dans le domaine des services bancaires aux entreprises. L\u2019une d\u2019entre elles, connue sous le nom de ligne de cr\u00e9dit d\u2019exploitation, s\u2019apparente \u00e0 une facilit\u00e9 de d\u00e9couverte (voir ci-dessous) dans le sens qu\u2019une fois que vous avez \u00e9puis\u00e9 le solde de votre compte, vous entrez ensuite dans la LDC, ce qui vous oblige \u00e0 effectuer chaque mois un d\u00e9p\u00f4t \u00e9gal aux int\u00e9r\u00eats accumul\u00e9s sur le compte, ainsi qu\u2019\u00e0 tous les autres frais associ\u00e9s. <\/p>\n<p>L\u2019autre version est un compte s\u00e9par\u00e9, g\u00e9n\u00e9ralement li\u00e9 \u00e0 une carte de cr\u00e9dit, qui pr\u00e9sente des caract\u00e9ristiques similaires \u00e0 celle d\u2019une LDC. Il exige des paiements similaires \u00e0 ceux d\u2019une carte de cr\u00e9dit. <\/p>\n<p>Les LDC sont g\u00e9n\u00e9ralement assorties d\u2019un taux d\u2019int\u00e9r\u00eat variable. Cela signifie que vous payez le taux pr\u00e9f\u00e9rentiel de la banque plus un taux d\u2019int\u00e9r\u00eat fixe qu\u2019elle fixe en fonction des 5C du cr\u00e9dit mentionn\u00e9 ci-dessus. <\/p>\n<p><strong>D\u00e9couvert<\/strong><\/p>\n<p>Il s\u2019agit d\u2019une facilit\u00e9 de cr\u00e9dit qui est g\u00e9n\u00e9ralement assortie d\u2019un taux d\u2019int\u00e9r\u00eat consid\u00e9rablement \u00e9lev\u00e9 et d\u2019une prime mensuelle en cas d\u2019utilisation. Elle est pr\u00e9vue pour les cas o\u00f9 vous pourriez atteindre le fond de votre solde, mais o\u00f9 vous disposeriez des fonds n\u00e9cessaires pour le couvrir rapidement. Les facilit\u00e9s de d\u00e9couvert doivent \u00eatre sold\u00e9es avant la fin du mois, car il n\u2019est pas possible de les utiliser d\u2019un mois sur l\u2019autre, et cela n\u2019est pas recommand\u00e9 compte tenu des taux d\u2019int\u00e9r\u00eat qui peuvent normalement atteindre pr\u00e8s de 30 %.  <\/p>\n<p><strong>Cartes de cr\u00e9dit<\/strong><\/p>\n<p>L\u2019une des facilit\u00e9s de cr\u00e9dit les plus populaires, les cartes de cr\u00e9dit sont g\u00e9n\u00e9ralement assorties d\u2019un taux d\u2019int\u00e9r\u00eat de 20 \u00e0 25 %. Il est pr\u00e9f\u00e9rable d\u2019obtenir une carte de cr\u00e9dit pour vous aider \u00e0 d\u00e9velopper votre cr\u00e9dit commercial, mais tout comme les cartes de cr\u00e9dit personnelles, elles ne doivent pas \u00eatre utilis\u00e9es que pour payer des effectifs, mais rembours\u00e9es \u00e0 temps, pour \u00e9viter les frais d\u2019int\u00e9r\u00eat et d\u2019autres inconv\u00e9nients potentiels. L\u2019avantage des cartes de cr\u00e9dit est qu\u2019elles sont assorties d\u2019avantages suppl\u00e9mentaires tels que des remises en esp\u00e8ces ou des points de fid\u00e9lit\u00e9.   <\/p>\n<p><strong>Pr\u00eats \u00e0 terme<\/strong><\/p>\n<p>Les pr\u00eats \u00e0 terme sont utilis\u00e9s \u00e0 diverses fins, telles que l\u2019achat d\u2019\u00e9quipement, le paiement d\u2019am\u00e9liorations locatives ou m\u00eame pour des transactions immobili\u00e8res. Un pr\u00eat \u00e0 terme comporte plusieurs aspects. <\/p>\n<p>L\u2019un d\u2019eux est le taux d\u2019int\u00e9r\u00eat, qui peut \u00eatre fixe, un taux sp\u00e9cifi\u00e9, ou variable, c\u2019est-\u00e0-dire qu\u2019il fluctue en fonction du taux pr\u00e9f\u00e9rentiel de la banque. Le taux d\u2019int\u00e9r\u00eat est essentiellement la prime que vous devez payer pour obtenir le pr\u00eat. Le taux d\u2019int\u00e9r\u00eat peut \u00eatre fixe en ce sens que vous \u00eates limit\u00e9 au montant que vous pouvez rembourser pendant la dur\u00e9e du pr\u00eat. Le taux peut \u00e9galement \u00eatre ouvert, c\u2019est-\u00e0-dire que vous pouvez rembourser le pr\u00eat \u00e0 tout moment. Les pr\u00eats ouverts sont parfois assortis d\u2019un taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9, c\u2019est pourquoi une option ferm\u00e9e peut \u00eatre plus attrayante.    <\/p>\n<p>Il y a ensuite la dur\u00e9e qui d\u00e9finit le terme, et qui correspond \u00e0 la p\u00e9riode pendant laquelle vous \u00eates tenu de rembourser ce pr\u00eat aupr\u00e8s de l\u2019institution financi\u00e8re actuelle. Si vous souhaitez changer de banque pendant cette p\u00e9riode, vous devrez peut-\u00eatre payer une p\u00e9nalit\u00e9. Enfin, il y a la p\u00e9riode d\u2019amortissement, c\u2019est-\u00e0-dire la dur\u00e9e limit\u00e9e pendant laquelle le pr\u00eat est cens\u00e9 \u00eatre rembours\u00e9.  <\/p>\n<p><strong>Le cr\u00e9dit-bail<\/strong><\/p>\n<p>En fonction de la taille de votre entreprise ou de vos besoins, les banques peuvent \u00e9galement vous donner acc\u00e8s \u00e0 ce que l\u2019on appelle le financement par cr\u00e9dit-bail, dans lequel vous ne devenez pas propri\u00e9taire de l\u2019actif, mais le louez plut\u00f4t de la banque. Vous vous demandez peut-\u00eatre quel est l\u2019avantage du cr\u00e9dit-bail. Il est avantageux dans une situation o\u00f9 l\u2019amortissement de l\u2019actif est trop \u00e9lev\u00e9 et vous pr\u00e9f\u00e9rez ne pas avoir \u00e0 vous occuper des frais d\u2019amortissement ou de la gestion de l\u2019actif. Il peut \u00e9galement vous aider \u00e0 g\u00e9rer vos flux de tr\u00e9sorerie gr\u00e2ce \u00e0 des paiements r\u00e9guliers.   <\/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-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-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\/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-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\/autres-aspects-des-services-bancaires\/\">3D. Autres aspects des services bancaires <\/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-acf672d e-con-full e-flex e-con e-child\" data-id=\"acf672d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92eff37 elementor-widget elementor-widget-heading\" data-id=\"92eff37\" 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-29c6a02 e-grid e-con-full e-con e-child\" data-id=\"29c6a02\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10bbbf5 elementor-widget elementor-widget-text-editor\" data-id=\"10bbbf5\" 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-f63a8b9 elementor-widget elementor-widget-text-editor\" data-id=\"f63a8b9\" 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 3C. Facilit\u00e9s de cr\u00e9dit Il existe de nombreuses options, et chacune sert un objectif diff\u00e9rent pour votre entreprise. Certaines, comme une ligne de cr\u00e9dit, sont id\u00e9ales pour garantir la gestion de vos [&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-2599","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>Facilit\u00e9s de cr\u00e9dit - 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\/credit-facilities\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Facilit\u00e9s de cr\u00e9dit - Entrepreneurship Centre\" \/>\n<meta property=\"og:description\" content=\"Conseils pour traiter avec les banques. 3A. 5C\u2019s 3B. 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