Pas facile ! Nous constatons que les banques ne pr\u00eatent qu’\u00e0 ceux qui ont d\u00e9montr\u00e9 leur capacit\u00e9 \u00e0 gagner un peu d’argent et \u00e0 l’\u00e9conomiser. Mais la raison principale est la crainte\u00a0que le remboursement simultan\u00e9 des int\u00e9r\u00eats et du capital emprunt\u00e9 d\u00e9passe le cash flow <\/b>d\u00e9gag\u00e9 par l’entreprise cr\u00e9\u00e9e si le chiffre d’affaires ou la marge est inf\u00e9rieure aux pr\u00e9visions. (Le cash flow est le total repr\u00e9sent\u00e9 par les b\u00e9n\u00e9fices et les amortissements, c’est la somme que l’entreprise peut affecter aux remboursements d’emprunt.)<\/p>\n Comment faire pour financer votre franchise\u00a0?<\/b> Raclez vos fonds de tiroir. Vous avez toujours plus de possibilit\u00e9s\u00a0que vous ne le pensez. Exemple : vendez une voiture et reprenez-en une en leasing pour d\u00e9gager du cash.\u00a0Empruntez \u00e0 la famille et aux amis, d\u00e9sormais on appelle cela la \u00ab\u00a0Love Money\u00a0\u00bb. L’argent pr\u00eat\u00e9 par vos proches peut constituer votre apport personnel si vos proches acceptent de n’\u00eatre\u00a0rembours\u00e9s qu’apr\u00e8s la banque<\/b> si vous ne pouvez pas faire mieux.\u00a0<\/p>\n
Utilisez aussi les facilit\u00e9s accord\u00e9es aux femmes<\/b> qui cr\u00e9ent. Elles b\u00e9n\u00e9ficient d’avantages sp\u00e9cifiques. Si vous \u00eates demandeur d’emploi indemnis\u00e9<\/b> vous avez aussi des possibilit\u00e9s sp\u00e9cifiques. Informez-vous aupr\u00e8s des chambres de commerce et\u00a0chambres de m\u00e9tier. Faites le tour des associations locales qui aident les cr\u00e9ateurs d’entreprise<\/b>; il en existe dans chaque r\u00e9gion. Certains pr\u00eats d’honneur vous sont accord\u00e9s \u00e0 titre priv\u00e9 et sont donc assimil\u00e9s \u00e0 des apports personnels….Mais attention, en cas d’\u00e9chec, il faudra les rembourser.<\/span><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"
Je souhaite ouvrir une franchise de salon de th\u00e9. Sans apport personnel, est-il possible de faire un emprunt global ? Pas facile ! Nous constatons que les banques ne pr\u00eatent qu’\u00e0 ceux qui ont d\u00e9montr\u00e9 leur capacit\u00e9 \u00e0 gagner un peu d’argent et \u00e0 l’\u00e9conomiser. Mais la raison principale est la crainte\u00a0que le remboursement simultan\u00e9 […]<\/p>\n","protected":false},"author":1,"featured_media":286978,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[11],"tags":[181],"class_list":["post-286977","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-les-experts-vous-repondent","tag-creation-et-gestion","entry","has-media"],"acf":[],"yoast_head":"\n
Sans apport personnel, est-il possible de faire un emprunt global ?<\/title>\n \n \n \n \n \n \n \n \n \n \n \n \n\t \n\t \n\t \n \n \n \n\t \n\t \n\t \n