{"id":14838,"date":"2021-05-20T18:54:51","date_gmt":"2021-05-20T23:54:51","guid":{"rendered":"https:\/\/www.insta-pro.com\/?p=14838"},"modified":"2021-05-20T18:54:51","modified_gmt":"2021-05-20T23:54:51","slug":"principaux-elements-a-prendre-en-compte-lors-de-la-preparation-dun-emprunt","status":"publish","type":"post","link":"https:\/\/instapro.spinuhost.com\/fr\/blog\/strategie-commerciale-et-financement\/principaux-elements-a-prendre-en-compte-lors-de-la-preparation-dun-emprunt\/","title":{"rendered":"Principaux \u00e9l\u00e9ments \u00e0 prendre en compte lors de la pr\u00e9paration d\u2019un emprunt"},"content":{"rendered":"<p>Les taux d\u2019int\u00e9r\u00eat \u00e9tant actuellement tr\u00e8s bas, c\u2019est le moment id\u00e9al pour emprunter de l\u2019argent pour votre nouveau projet de transformation agroalimentaire, ou pour agrandir votre usine d\u2019extrusion.<\/p>\n<p>Cependant, le probl\u00e8me dans de nombreux march\u00e9s en d\u00e9veloppement comme l\u2019Afrique, c\u2019est que de nombreux propri\u00e9taires-exploitants ou entreprises familiales ne sont tout simplement pas pr\u00eats \u00e0 emprunter de l\u2019argent.<\/p>\n<p>C\u2019est dommage, car les march\u00e9s de l\u2019alimentation humaine et animale se d\u00e9veloppent, avec des populations jeunes, une urbanisation croissante et chaque jour toujours plus de bouches \u00e0 nourrir.<\/p>\n<p>Les investisseurs le savent, et c\u2019est pourquoi ils cherchent \u00e0 investir dans les march\u00e9s alimentaires \u00e0 forte croissance\u00a0: les march\u00e9s d\u2019avenir.<\/p>\n<p>Alors, quel est le probl\u00e8me\u00a0?<\/p>\n<ul>\n<li><strong>Manque de connaissances\u00a0:\u00a0 <\/strong>Si les multinationales de l\u2019agroalimentaire que l\u2019on conna\u00eet bien sont pr\u00e9sentes (et investissent) dans les march\u00e9s en d\u00e9veloppement, la plupart des entreprises dans le secteur sont en r\u00e9alit\u00e9 des petites et moyennes entreprises unipersonnelles ou familiales. Le propri\u00e9taire prend toutes les d\u00e9cisions importantes mais sa connaissance de la finance, en particulier de la finance internationale, est souvent limit\u00e9e.<\/li>\n<\/ul>\n<ul>\n<li><strong>\u00c9tats financiers audit\u00e9s\u00a0:\u00a0 <\/strong>M\u00eame dans les entreprises agroalimentaires de taille moyenne, une comptabilit\u00e9 s\u00e9rieuse fait souvent d\u00e9faut, et si leurs \u00e9tats financiers sont audit\u00e9s, l\u2019audit a souvent \u00e9t\u00e9 men\u00e9 par une entreprise locale sans contacts internationaux. L\u2019audit ne sera accept\u00e9 par les pr\u00eateurs internationaux que s\u2019il est conforme aux IFRS (normes internationales d\u2019information financi\u00e8re).<\/li>\n<\/ul>\n<ul>\n<li><strong>Analyse de faisabilit\u00e9\u00a0:\u00a0 <\/strong>Pas d\u2019analyse de faisabilit\u00e9. Le propri\u00e9taire sait instinctivement qu\u2019il fera un profit, mais il ne s\u2019inqui\u00e8te pas trop des chiffres pr\u00e9cis, tant que les recettes sont sup\u00e9rieures aux d\u00e9penses d\u2019ann\u00e9e en ann\u00e9e. Or, c\u2019est l\u00e0 une approche peu professionnelle. Il est important de comprendre le retour sur investissement, la p\u00e9riode de remboursement et le flux de tr\u00e9sorerie de votre futur projet. C\u2019est \u00e9galement ce qu\u2019attendent les pr\u00eateurs.<\/li>\n<\/ul>\n<ul>\n<li><strong>Plan d\u2019affaires\u00a0:\u00a0 <\/strong>Vous connaissez le secteur, vous savez ce qui fonctionne et quels sont les risques, alors pourquoi \u00e9tablir un plan d\u2019affaires\u00a0? Parce que vous demanderez \u00e0 des personnes qui ne connaissent pas votre secteur d\u2019activit\u00e9 de vous pr\u00eater leur argent. Pourquoi devraient-ils vous faire confiance\u00a0? Vous ne les aurez peut-\u00eatre jamais rencontr\u00e9s de votre vie. Un plan d\u2019affaires est comme un passeport, il explique qui vous \u00eates au cours de votre voyage. Bien r\u00e9dig\u00e9, il donnera au pr\u00eateur confiance en votre projet et en votre capacit\u00e9 \u00e0 le rentabiliser.<\/li>\n<\/ul>\n<p>Si vous avez besoin d\u2019emprunter de l\u2019argent pour r\u00e9aliser votre projet, commencez par mettre de l\u2019ordre dans vos documents\u00a0:<\/p>\n<ul>\n<li>Donn\u00e9es financi\u00e8res des 3 derni\u00e8res ann\u00e9es, en anglais, audit\u00e9es selon les IFRS par un auditeur reconnu li\u00e9 \u00e0 une soci\u00e9t\u00e9 d\u2019audit internationale.<\/li>\n<li>Analyse de faisabilit\u00e9 de projet<\/li>\n<li>Plan d\u2019affaires, y compris tous les d\u00e9tails sur les propri\u00e9taires de votre entreprise.<\/li>\n<\/ul>\n<p>Si vous n\u2019avez pas vous-m\u00eame une connaissance approfondie des march\u00e9s du cr\u00e9dit, faites appel \u00e0 un courtier. Apr\u00e8s tout, quand on a besoin de se faire op\u00e9rer, on ne va pas chez le v\u00e9t\u00e9rinaire.<\/p>\n<p>Insta-Pro propose des solutions de cr\u00e9dit pour ses clients en Afrique, en partenariat avec Integrated Trade Finance, une soci\u00e9t\u00e9 de courtage financier b\u00e9n\u00e9ficiant de connexions internationales. <a href=\"https:\/\/www.insta-pro.com\/fr\/contact\/\">Appelez-nous<\/a> pour discuter de votre projet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les taux d\u2019int\u00e9r\u00eat \u00e9tant actuellement tr\u00e8s bas, c\u2019est le moment id\u00e9al pour emprunter de l\u2019argent pour votre nouveau projet de transformation agroalimentaire, ou pour agrandir votre usine d\u2019extrusion. Cependant, le probl\u00e8me dans de nombreux march\u00e9s en d\u00e9veloppement comme l\u2019Afrique, c\u2019est que de nombreux propri\u00e9taires-exploitants ou entreprises familiales ne sont tout simplement pas pr\u00eats \u00e0 emprunter [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":5366,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[8203],"tags":[574,559,591],"class_list":["post-14838","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-strategie-commerciale-et-financement","tag-creation-dune-usine-rentable","tag-investissement-de-capitaux-fr-2","tag-strategie-commerciale-fr-3"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Principaux \u00e9l\u00e9ments \u00e0 prendre en compte 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