Oui et non, mais soyons plus pr\u00e9cis….<\/p>\nNON<\/b> car un apport personnel est justement ce que vous n’avez pas besoin d’emprunter car vous avez cet argent disponible et que vous l’apportez \u00e0 votre projet. Un emprunt, reste un emprunt et non un apport personnel et il faut admettre qu’emprunter \u00e0 100 % entra\u00eene des frais financiers\u00a0et des mensualit\u00e9s importantes qui diminuent d’autant le r\u00e9sultat m\u00eame si c’est un moyen de capitaliser. C’est votre pr\u00e9visionnel qui donnera la r\u00e9ponse. Le franchiseur et la banque regarderont si le Cash flow est suffisant pour rembourser les int\u00e9r\u00eats et le capital qui seront plus lourds que si vous aviez un v\u00e9ritable apport personnel. Dans votre cas, si vous n’avez pas besoin de prendre de salaire du fait de vos autres revenus, cela passera mieux.<\/p>\n
OUI <\/b>si vous vous demandez s’il est possible de monter un projet de franchise avec un emprunt \u00e0 100 % (lorsque le patrimoine offert en garantie est \u00e9lev\u00e9 et que l’emprunteur a d\u00e9montr\u00e9 sa capacit\u00e9 \u00e0 r\u00e9ussir, nous devons dire que cela n’est pas impossible m\u00eame si tout le monde sera prudent et que certains r\u00e9seaux diront non par\u00a0prudence, saine…ou excessive…. En pareil cas, certains entrepreneurs font un emprunt personnel garanti sur leur patrimoine et utilisent cet emprunt comme apport personnel.<\/p>\n
Jean Samper AC Franchise Membre du coll\u00e8ge des experts de la FFF Co-cr\u00e9ateur de l’IFCN, International Franchise Consultant Network <\/span><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"
Compte-tenu de la valeur de mon patrimoine, j’ai une capacit\u00e9 d’emprunt assez forte. Puis-je r\u00e9aliser un \u00ab\u00a0apport personnel\u00a0\u00bb par un emprunt pour cr\u00e9er une franchise ? Oui et non, mais soyons plus pr\u00e9cis…. NON car un apport personnel est justement ce que vous n’avez pas besoin d’emprunter car vous avez cet argent disponible et que […]<\/p>\n","protected":false},"author":1,"featured_media":256530,"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-287119","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
J'ai un gros patrimoine. Puis-je constituer un apport personnel par un emprunt ?<\/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