{"id":11674,"date":"2018-03-20T11:26:53","date_gmt":"2018-03-20T11:26:53","guid":{"rendered":"https:\/\/www.tradefinanceglobal.com\/?page_id=11674"},"modified":"2025-01-30T14:32:03","modified_gmt":"2025-01-30T14:32:03","slug":"financement-commercial","status":"publish","type":"page","link":"https:\/\/www.tradefinanceglobal.com\/fr\/financement-commercial\/","title":{"rendered":"Financement Commercial \u2013 \u00e0 l\u2019avant-garde avec Trade Finance Global"},"content":{"rendered":"\n<div class=\"wp-block-columns container w-auto is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div class=\"block-header-without-image d-flex flex-direction-column justify-content-center\">\n    <h2 class=\"fs-32 fw-700 fs-xs-28 not-for-table-content\" id=\"heading-financement-commercial-a-lavant-garde-avec-trade-finance-global\">\n        Financement Commercial \u2013 \u00e0 l\u2019avant-garde avec Trade Finance Global    <\/h2>\n    <div class=\"d-grid grid-col-2 grid-col-xs-1\">\n                            <div class=\"\">\n                <div>Last updated on 30 Jan 2025<\/div>\n                <div>20 Mar 2018 . 2 min read<\/div>\n            <\/div>\n            <\/div>\n    <\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\"><figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"869\" height=\"352\" src=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global.jpg 869w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-300x122.jpg 300w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-768x311.jpg 768w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-320x130.jpg 320w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-370x150.jpg 370w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-414x168.jpg 414w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-600x243.jpg 600w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-372x151.jpg 372w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-450x182.jpg 450w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-380x154.jpg 380w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Financement-Commercial-\u2013-a-lavant-garde-avec-Trade-Finance-Global-285x115.jpg 285w\" sizes=\"auto, (max-width: 869px) 100vw, 869px\" \/><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns container w-auto is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"block-buttons bg-anti-flash-white rounded p-24 h-100 xs-h-auto\" style=\"background-color: #ebf5f4 !important;\">\n  <div class=\"d-grid grid-col-1 grid-col-xs-1 mb-12\">\n    <h4 class=\"not-for-table-content fs-24 fw-700\" id=\"heading-france-quick-links\">France Quick Links<\/h4>\n  <\/div>\n  <div>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/imports\/france\/\">\n        Importing from France      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/exports\/france\/\">\n        Exporting to France      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-fr\/trade-finance\/\">\n        Trade Finance \u2013 France      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-fr\/invoice-finance\/\">\n        Invoice Finance \u2013 France      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/export-finance\/export-credit-agencies-eca\/bae-france-eca\/\">\n        Export Credit Agency (ECA) \u2013 France      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/fr\/creances-affacturage\/\">\n        Financement des cr\u00e9ances      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/fr\/financement-commercial\/\">\n        Financement Commercial      <\/a>\n      <\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"block-buttons bg-anti-flash-white rounded p-24 h-100 xs-h-auto\" style=\"background-color: #E6FAFE !important;\">\n  <div class=\"d-grid grid-col-1 grid-col-xs-1 mb-12\">\n    <h4 class=\"not-for-table-content fs-24 fw-700\" id=\"heading-visit-our-global-invoice-finance-hubs\">Visit our Global Invoice Finance Hubs<\/h4>\n  <\/div>\n  <div>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-au\/invoice-finance\/\">\n        Australia \ud83c\udde6\ud83c\uddfa      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/de\/fakturierung-von-rechnungen\/\">\n        Deutschland \ud83c\udde9\ud83c\uddea      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-fr\/invoice-finance\/\">\n        France \ud83c\uddeb\ud83c\uddf7      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-de\/invoice-finance\/\">\n        Germany \ud83c\udde9\ud83c\uddea      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-hk\/invoice-finance\/\">\n        Hong Kong \ud83c\udded\ud83c\uddf0      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-in\/invoice-finance\/\">\n        India \ud83c\uddee\ud83c\uddf3      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-ie\/invoice-finance\/\">\n        Ireland \ud83c\uddee\ud83c\uddea       <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-jp\/invoice-finance\/\">\n        Japan \ud83c\uddef\ud83c\uddf5      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/fr\/creances-affacturage\/\">\n        La France \ud83c\uddeb\ud83c\uddf7      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-nl\/invoice-finance\/\">\n        Netherlands \ud83c\uddf3\ud83c\uddf1       <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-sg\/invoice-finance\/\">\n        Singapore \ud83c\uddf8\ud83c\uddec       <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/en-ae\/invoice-finance\/\">\n        United Arab Emirates \ud83c\udde6\ud83c\uddea      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/es\/descuento-comercial\/\">\n        Spain \ud83c\uddea\ud83c\uddf8      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/invoice-finance\/\">\n        United Kingdom \ud83c\uddec\ud83c\udde7      <\/a>\n          <a class=\"d-inline-block mr-10 mb-10 py-8 px-16 rounded bordered border-light text-black bg-white fs-14 fw-700\" href=\"https:\/\/www.tradefinanceglobal.com\/organisation\/ubs\/\">\n        United States of America \ud83c\uddfa\ud83c\uddf8      <\/a>\n      <\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns container w-auto is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div class=\"bg-light-blue d-flex gap-16 h-auto p-16 rounded xs-flex-direction-column\">\n    <div class=\"\">\n    <img decoding=\"async\" style=\"min-width:100px;max-width: 150px\" src=\"https:\/\/secure.gravatar.com\/avatar\/adbea0e7d528d8822bada7096c1e6ea9?s=160&#038;d=mm&#038;r=g\" class=\"w-100 rounded\">\n  <\/div>\n  <div class=\"col-span-2 col-span-xs-1\">\n    <div class=\"d-flex flex-direction-column gap-16 fs-16 justify-content-between\">\n      <div class=\"fs-16 fw-700\">Mark Abrams<\/div>\n      <div class=\"fs-14 fw-400 elipsise-2-line\" title=\"Mark heads up the trade finance offering at TFG where\u00a0his team focuses on bringing in alternative structured finance to international trading companies.\">\n        Mark heads up the trade finance offering at TFG where\u00a0his team focuses on bringing in alternative structured finance to international trading companies.      <\/div>\n      <div>\n        <a class=\"text-black fs-12 small-link-arrow-right\" href=\"https:\/\/www.tradefinanceglobal.com\/posts\/?author=74\">\n          <span>\n            Latest Post          <\/span>\n        <\/a>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n<div class=\"block-cta max-w-100 p-32 h-auto rounded sm-w-60 dark-mode bg-black align wp-block-acf-block-cta\">\n  <h4 id=\"heading-access-payables-receivables-and-supply-chain-finance\" class=\"fs-24 fw-700 elipsise-2-line dark:color-white not-for-table-content\">\n    Access payables, receivables and supply chain finance  <\/h4>\n  <p class=\"block-subtitle dark:color-white\">We assist companies to access supply chain finance through our relationships with 270+ banks, funds and alternative finance houses.<\/p>\n  <a href=\"https:\/\/www.tradefinanceglobal.com\/get-trade-finance\/\" class=\"dark:text-black px-16 py-8 rounded bg-black text-white fs-14 fw-700 dark:bg-tale\">\n    <span>Get started<\/span>\n  <\/a>\n<\/div>\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-content\">Content<\/h3>\n\n\n<div class=\"block-table-content h-auto bg-white auto\">\n    <ul class=\"table-content\"><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading\" id=\"h-trade-finance-france\">Trade Finance &#8211; France<\/h2>\n\n\n\n<p class=\"bg-tale rounded p-24 h-auto\" style=\"font-size:16px\">Trade finance or exports concern national and international trade transactions: when a buyer purchases goods or services from a seller, the financial activities generated fall under the generic term of \u201ctrade finance\u201d.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is trade finance?<\/h2>\n\n\n\n<p style=\"font-size:16px\">Trade Finance is the financing of goods or services in a trade or transaction, from a supplier through to the end buyer. It accounts for 3% of global trade, worth some $3tn annually.&nbsp;\u2018Trade Finance\u2019 is an umbrella term, which includes a variety of financial instruments that can be used by an importer or exporter.<\/p>\n\n\n\n<p style=\"font-size:16px\"><strong>These include:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:16px\">Purchase Order Finance<\/li>\n\n\n\n<li style=\"font-size:16px\">Stock Finance<\/li>\n\n\n\n<li style=\"font-size:16px\">Structured Commodity Finance<\/li>\n\n\n\n<li style=\"font-size:16px\">Invoice Finance (Discounting &amp; Factoring)<\/li>\n\n\n\n<li style=\"font-size:16px\">Supply Chain Finance<\/li>\n\n\n\n<li style=\"font-size:16px\">Letters of Credit (LCs)&nbsp;and;<\/li>\n\n\n\n<li style=\"font-size:16px\">Bonds &amp; Guarantees<\/li>\n<\/ul>\n\n\n\n<p style=\"font-size:16px\">The terms Import Finance and Export Finance are used interchangeably with Trade Finance.<\/p>\n\n\n\n<p style=\"font-size:16px\">In order to address some of the common issues and misunderstandings around Trade Finance, we have put together this short guide.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How can trade finance benefit my France-based business?<\/h2>\n\n\n\n<p style=\"font-size:16px\"><\/p>\n\n\n\n<ul class=\"wp-block-list\" style=\"font-size:16px\">\n<li style=\"font-size:16px\">C\u2019est notre travail de vous trouver le meilleur trade ou financement structur\u00e9 aupr\u00e8s d\u2019un large \u00e9ventail de pr\u00eateurs ; banques et institutions financi\u00e8res, bailleurs de fonds non bancaires et financements alternatifs sp\u00e9cialis\u00e9s dans diff\u00e9rents secteurs et march\u00e9s financiers.<\/li>\n\n\n\n<li style=\"font-size:16px\">Nous pouvons aider votre entreprise \u00e0 examiner toute une gamme d\u2019options de financement: d\u00e9couvert traditionnel, pr\u00eat bancaire, financement de masse plus novateur ou encore, une autre forme de financement.<\/li>\n\n\n\n<li style=\"font-size:16px\">Nous travaillons 24 heures sur 24 et obtenons rapidement les informations pertinentes \u00e0 l\u2019organisation de votre financement pendant que vous vous concentrez sur la croissance de votre entreprise.<\/li>\n\n\n\n<li style=\"font-size:16px\">Chez Trade Finance Global, nous pouvons contacter les principaux influenceurs et parties prenantes de nombreuses institutions financi\u00e8res afin que votre demande soit trait\u00e9e rapidement et que vous puissiez obtenir les fonds le plus rapidement possible.<\/li>\n<\/ul>\n\n\n\n<p style=\"font-size:16px\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Nous sommes 100 % ind\u00e9pendants : nous travaillons uniquement pour nos clients<\/h2>\n\n\n\n<p style=\"font-size:16px\">Contrairement \u00e0 certains de nos concurrents, nous ne sommes li\u00e9s \u00e0 aucun pr\u00eateur, nous vous offrons une multitude d\u2019options de financement afin que vous puissiez choisir la solution la plus qui vous convient le mieux.<\/p>\n\n\n\n<p style=\"font-size:16px\">Prenez contact avec nos experts en financement commercial, m\u00eame si vous poss\u00e9dez d\u00e9j\u00e0 une installation existante.<\/p>\n\n\n\n<p style=\"font-size:16px\">Vous voulez devenir un expert financier ? Recevez notre formation gratuite sur le financement commercial<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les avantages du financement commercial chez Trade Finance Global<\/h2>\n\n\n\n<ul class=\"wp-block-list\" style=\"font-size:16px\">\n<li style=\"font-size:16px\"><strong>Facilite la croissance d\u2019une PME<\/strong>&nbsp;\u2013 L\u2019augmentation du fonds de roulement et une meilleure gestion des flux de tr\u00e9sorerie permet aux propri\u00e9taires d\u2019entreprises d\u2019am\u00e9liorer&nbsp;leur ma\u00eetrise des co\u00fbts d\u2019exploitation quotidiens de l\u2019entreprise tout en r\u00e9alisant des commandes plus importantes qu\u2019auparavant.<\/li>\n\n\n\n<li style=\"font-size:16px\"><strong>Des marges plus \u00e9lev\u00e9es&nbsp;<\/strong>\u2013 Une facilit\u00e9 de financement peut permettre \u00e0 une PME d\u2019acheter en gros ou en volume, \u00e0 l\u2019avance (\u00e0 moindre co\u00fbt) et renforcer les relations entre&nbsp;acheteurs et vendeurs. Cela peut \u00eatre une occasion d\u2019augmenter les marges de profit et de l\u2019EBE.<\/li>\n\n\n\n<li style=\"font-size:16px\"><strong>Une plus grande efficacit\u00e9 et productivit\u00e9&nbsp;<\/strong>\u2013 La collaboration avec d\u2019autres acteurs internationaux permet aux entrepreneurs de diversifier leur r\u00e9seau de fournisseurs, ce qui accro\u00eet la comp\u00e9titivit\u00e9 et&nbsp;am\u00e9liore l\u2019efficacit\u00e9 des march\u00e9s et des cha\u00eenes d\u2019approvisionnement.<\/li>\n\n\n\n<li style=\"font-size:16px\"><strong>R\u00e9duit les risques de faillite&nbsp;<\/strong>\u2013 Les retards de paiement des d\u00e9biteurs, les cr\u00e9ances irr\u00e9couvrables, les stocks exc\u00e9dentaires et les cr\u00e9anciers exigeants peuvent avoir des effets pr\u00e9judiciables pour une PME. Le financement externe ou les facilit\u00e9s de cr\u00e9dits renouvelables&nbsp;peuvent en att\u00e9nuer la pression et \u00e9viter de compromettre la PME.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n<div class=\"block-content align fs-16 p-18 rounded wp-block-acf-block-content\"style=\"background-color: #f2f5f7;color: #000000;\"\n>\n    <div class=\"modules paragraph Grey \">\n<p>If you have a trade finance enquiry, please use the contact form below.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Finance Queries:<\/strong><\/p>\n<p><a href=\"mailto:fr.team@tradefinanceglobal.com\">fr.team@tradefinanceglobal.com<\/a><\/p>\n<p><a href=\"mailto:trade.team@tradefinanceglobal.com\">trade.team@tradefinanceglobal.com<\/a><\/p>\n<p><strong>Partnership Queries:<\/strong><\/p>\n<p><a href=\"mailto:introducers@tradefinanceglobal.com\">introducers@tradefinanceglobal.com<\/a><\/p>\n<p>Find out more about partnering with us\u00a0<a href=\"https:\/\/www.tradefinanceglobal.com\/partners\/\" data-wpel-link=\"internal\">here<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Want to learn more about Trade Finance?<\/h2>\n\n\n<div class=\"block-content align fs-16 p-18 rounded wp-block-acf-block-content\"style=\"background-color: #f2f5f7;color: #000000;\"\n>\n    <p>Look no further. We\u2019ve put together our feature France  trade finance insights, research and articles, and you can catch the latest thought leadership from the TFG, listen to podcasts and digest the latest in international trade in the region right here.<\/p>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n<div class=\"block-faq overflow-hidden h-auto py-10\">\n  <div class=\"container w-auto\">\n    <div class=\"d-grid grid-col-1 grid-col-xs-2 mb-24\">\n      <h3 id=\"heading-questions-frequentes\" class=\"not-for-table-content fw-700 \">Questions fr\u00e9quentes<\/h3>\n          <\/div>\n    <div class=\"d-grid grid-col-4 grid-col-xs-1 gap-24\">\n              <div class=\"d-flex overflow-x-auto hide-scrollbar xs-flex-direction-row flex-direction-column gap-24 list-question\">\n                      <div class=\"single-anwser active pointer bg-anti-flash-white border-radius-12 p-24\">\n              <h4 class=\"fs-20 mb-0 fw-700 elipsise-2-line detail-question not-for-table-content\" title=\"Pourquoi le financement commercial est-il important ?\">\n                Pourquoi le financement commercial est-il important ?              <\/h4>\n              <div class=\"detail-anwser d-hidden fs-16\"><p>Le financement commercial (\u00e9galement connu sous le nom de cha\u00eene d\u2019approvisionnement et de financement des exportations) est un \u00e9norme moteur du d\u00e9veloppement \u00e9conomique et contribue \u00e0 maintenir le flux de cr\u00e9dit dans les cha\u00eenes d\u2019approvisionnement. On pr\u00e9voit que 80 \u00e0 90 % du commerce mondial est tributaire du financement commercial et de la cha\u00eene d\u2019approvisionnement et qu\u2019il est \u00e9valu\u00e9 \u00e0 environ 10 000 milliards de dollars par an.<\/p>\n<\/div>\n                          <\/div>\n                      <div class=\"single-anwser  pointer bg-anti-flash-white border-radius-12 p-24\">\n              <h4 class=\"fs-20 mb-0 fw-700 elipsise-2-line detail-question not-for-table-content\" title=\"Que comprend le financement commercial ?\">\n                Que comprend le financement commercial ?              <\/h4>\n              <div class=\"detail-anwser d-hidden fs-16\"><p>Le financement commercial comprend les \u00e9l\u00e9ments suivants :<\/p>\n<p>M\u00e9canismes de pr\u00eat<br \/>\nEmission de Lettres de cr\u00e9dit (LC)<br \/>\nExport affacturage (entreprises recevant des fonds en contrepartie de factures ou de comptes \u00e0 recevoir)<br \/>\nCession de cr\u00e9ance (l\u2019achat de cr\u00e9ances ou de marchandises \u00e9chang\u00e9es aupr\u00e8s d\u2019un exportateur)<br \/>\nCr\u00e9dits \u00e0 l\u2019exportation (pour r\u00e9duire les risques encourus par les bailleurs de fonds lorsqu\u2019ils financent le commerce ou la cha\u00eene d\u2019approvisionnement)<br \/>\nAssurance (pendant la livraison et l\u2019exp\u00e9dition, couvrir \u00e9galement le risque de change et l\u2019exposition)<\/p>\n<\/div>\n                          <\/div>\n                      <div class=\"single-anwser  pointer bg-anti-flash-white border-radius-12 p-24\">\n              <h4 class=\"fs-20 mb-0 fw-700 elipsise-2-line detail-question not-for-table-content\" title=\"Quels sont les modes de paiement pour le financement commercial\">\n                Quels sont les modes de paiement pour le financement commercial              <\/h4>\n              <div class=\"detail-anwser d-hidden fs-16\"><p>Avances de fonds<\/p>\n<p>Comme il s\u2019agit du produit le moins risqu\u00e9 pour le vendeur, une avance de fonds doit \u00eatre pay\u00e9e \u00e0 l\u2019exportateur ou au vendeur avant l\u2019exp\u00e9dition des biens ou des services. Les avances de fonds sont tr\u00e8s fr\u00e9quentes avec les commandes de faible valeur, et aide \u00e0 fournir aux exportateurs \/ vendeurs de l\u2019argent comptant \u00e0 l\u2019avance pour exp\u00e9dier les marchandises, et sans risque de retard ou de non paiement.<\/p>\n<p>Lettres de cr\u00e9dit (LC)<\/p>\n<p>Les lettres de cr\u00e9dit (LC), \u00e9galement appel\u00e9es cr\u00e9dits documentaires, sont des instruments financiers juridiquement contraignants, \u00e9mis par des banques ou des institutions sp\u00e9cialis\u00e9es dans le financement commercial, qui paient l\u2019exportateur pour le compte de l\u2019acheteur, si les conditions sp\u00e9cifi\u00e9es dans la LC sont remplies.<\/p>\n<p>Une LC exige un importateur et un exportateur, avec respectivement une banque \u00e9mettrice et une banque de confirmation (ou d\u2019avis). Les financiers et leur solvabilit\u00e9 sont cruciaux pour ce type de financement du commerce : il est appel\u00e9 rehaussement de cr\u00e9dit, la banque \u00e9mettrice et confirmante rempla\u00e7ant la garantie de paiement de l\u2019importateur et de l\u2019exportateur. Dans cette section et dans la plupart des cas, nous consid\u00e9rons que l\u2019importateur est l\u2019acheteur et l\u2019exportateur le vendeur.<\/p>\n<p>Encaissement documentaire<\/p>\n<p>Les encaissements documentaires diff\u00e8rent d\u2019une lettre de cr\u00e9dit (lire notre article sur notre blog sur la diff\u00e9rence entre les DC et les LC)<\/p>\n<p>Dans le cas du DC, l\u2019exportateur demandera le paiement en pr\u00e9sentant ses documents d\u2019exp\u00e9dition et de recouvrement \u00e0 sa banque \u00e9mettrice. La banque \u00e9mettrice transmet ensuite ces documents \u00e0 la banque de l\u2019importateur. La banque importatrice paiera alors la banque exportatrice, qui cr\u00e9ditera ces fonds \u00e0 l\u2019exportateur.<\/p>\n<p>Comptes ouverts<\/p>\n<p>Un compte ouvert est une transaction o\u00f9 l\u2019importateur paie l\u2019exportateur 30 \u00e0 90 jours apr\u00e8s r\u00e9ception par l\u2019importateur des marchandises. Cela est \u00e9videmment avantageux pour l\u2019importateur et comporte un risque important pour l\u2019exportateur \u2013 cela se produit souvent si la relation et la confiance entre les deux parties est solide.<\/p>\n<p>Les comptes ouverts contribuent \u00e0 accro\u00eetre la comp\u00e9titivit\u00e9 sur les march\u00e9s d\u2019exportation, et les acheteurs incitent souvent les exportateurs et les vendeurs \u00e0 n\u00e9gocier les conditions du compte ouvert. Par cons\u00e9quent, les exportateurs peuvent chercher du financement \u00e0 l\u2019exportation pour financer leur fonds de roulement en attendant le paiement.<\/p>\n<\/div>\n                          <\/div>\n                      <div class=\"single-anwser  pointer bg-anti-flash-white border-radius-12 p-24\">\n              <h4 class=\"fs-20 mb-0 fw-700 elipsise-2-line detail-question not-for-table-content\" title=\"Qui sont les fournisseurs commerciaux et de financement \u00e0 l\u2019exportation ?\">\n                Qui sont les fournisseurs commerciaux et de financement \u00e0 l\u2019exportation ?              <\/h4>\n              <div class=\"detail-anwser d-hidden fs-16\"><div class=\"toggle\">\n<div class=\"toggle-inner\">\n<p>Banques de proximit\u00e9 et banques commerciales<\/p>\n<p>Certaines banques commerciales ont des divisions sp\u00e9cialis\u00e9es dans le financement commercial, qui offrent des facilit\u00e9s aux entreprises. Les banques commerciales repr\u00e9sentent la majorit\u00e9 des institutions financi\u00e8res \u00e0 l\u2019\u00e9chelle mondiale, bien qu\u2019elles soient de taille vari\u00e9e, allant des petites banques sp\u00e9cialis\u00e9es aux grandes banques multinationales.<\/p>\n<p>Les services bancaires offerts par les banques commerciales de financement commercial comprennent : l\u2019\u00e9mission de lettres de cr\u00e9dit, l\u2019acceptation de traites et de notes de n\u00e9gociation, les lettres de change et les encaissements documentaires. L\u2019avantage des grandes banques commerciales par rapport aux petites banques sp\u00e9cialis\u00e9es est double : leur pr\u00e9sence \u00e0 l\u2019\u00e9chelle mondiale (elles peuvent avoir des filiales \u00e0 l\u2019\u00e9tranger, ce qui rend la confirmation des lettres de cr\u00e9dit moins co\u00fbteuse) et leur cr\u00e9dibilit\u00e9.<\/p>\n<p>Financement alternatif et bailleur de fonds non bancaire<\/p>\n<p>Il existe de nombreux types d\u2019institutions financi\u00e8res qui n\u2019utilisent pas les d\u00e9p\u00f4ts publics comme source de financement. Les sources de financement comprennent les investissements collectifs, les investissements priv\u00e9s et les capitaux publics de march\u00e9.<\/p>\n<p>Depuis la crise \u00e9conomique, les plates-formes de financement plus modestes ont perturb\u00e9 la finance \u201cadoss\u00e9e \u00e0 des cr\u00e9ances\u201d traditionnelle. Cela a \u00e9t\u00e9 motiv\u00e9 par une baisse du go\u00fbt du risque chez les grandes banques, ce qui a ouvert la porte \u00e0 des pr\u00eateurs flexibles et de petite taille, capables de combler ce vide. Les fonds d\u2019investissement priv\u00e9s et les grandes banques fournissent des capitaux aux investisseurs alternatifs. Le financement des pr\u00eats particuliers (peer to peer) est \u00e9galement entr\u00e9 dans le secteur du financement commercial. De plus, les nouvelles technologies qui bouleversent le processus de demande relativement long pour certains types de financement commerciaux facilitent l\u2019\u00e9valuation des risques, la fourniture de cr\u00e9dit et de documentation aux importateurs et aux exportateurs.<\/p>\n<\/div>\n<\/div>\n<div class=\"modules editor-box\"><\/div>\n<div><\/div>\n<\/div>\n                          <\/div>\n                  <\/div>\n        <div class=\"col-span-3 col-span-xs-1 detail-anwser-block hide-scrollbar bg-tale rounded p-24\">\n          <h4 class=\"fs-20 fw-700 elipsise-2-line detail-question not-for-table-content\" title=\"Qui sont les fournisseurs commerciaux et de financement \u00e0 l\u2019exportation ?\">\n            Pourquoi le financement commercial est-il important ?          <\/h4>\n          <div class=\"detail-anwser fs-16\"><p>Le financement commercial (\u00e9galement connu sous le nom de cha\u00eene d\u2019approvisionnement et de financement des exportations) est un \u00e9norme moteur du d\u00e9veloppement \u00e9conomique et contribue \u00e0 maintenir le flux de cr\u00e9dit dans les cha\u00eenes d\u2019approvisionnement. On pr\u00e9voit que 80 \u00e0 90 % du commerce mondial est tributaire du financement commercial et de la cha\u00eene d\u2019approvisionnement et qu\u2019il est \u00e9valu\u00e9 \u00e0 environ 10 000 milliards de dollars par an.<\/p>\n<\/div>\n          <a href=\"\" class=\"detail-link text-black fs-12 small-link-arrow-right text-right mr-0 d-hidden\">\n            <span><\/span>\n          <\/a>\n        <\/div>\n          <\/div>\n  <\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n<section class=\"full-width block-slider_with_text py-10\" data-block=\"slider_with_text\" data-theme=\"dark\">\n  <div class=\"container overflow-hidden\">\n    <div class=\"slider-text-block\">\n      <div class=\"slider-text-block-container\">\n        <h2 id=\"heading-futureproof-your-trade-treasury\" class=\"elipsise-2-line word-wrap not-for-table-content\">\n          Futureproof your trade &#038; treasury        <\/h2>\n        <span class=\"block-subtitle elipsise-2-line word-wrap\">Explore our financing solutions, built for tomorrow<\/span>\n                  <a href=\"\/get-trade-finance\/\" class=\"button-standart button-standart-blue\">\n            <span>Find out more<\/span>\n          <\/a>\n              <\/div>\n    <\/div>\n    <div class=\"swiper-container\" data-slides-desktop=\"2\" data-slides-tablet=\"1.5\" data-slides-mobile=\"1\" data-space-between=\"32\">\n      <div class=\"swiper-wrapper\">\n                  <div class=\"swiper-slide\">\n            <div class=\"post-slide post-slide-small\">\n              <div class=\"post-information\">\n                <div class=\"post-card-meta\">\n                  <div class=\"meta-category\">\n                    Case Studies                  <\/div>\n                <\/div>\n                <div class=\"post-title\">\n                  <h4>\n                    <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/metals-trader\/\" rel=\"bookmark\" class=\"elipsise-2-line\">\n                      Metals trader &#8211; A case study                    <\/a>\n                  <\/h4>\n                <\/div>\n              <\/div>\n                              <div class=\"post-image\">\n                  <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/metals-trader\/\" rel=\"bookmark\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"869\" height=\"352\" src=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1.jpg 869w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-300x122.jpg 300w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-768x311.jpg 768w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-320x130.jpg 320w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-370x150.jpg 370w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-414x168.jpg 414w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-600x243.jpg 600w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-372x151.jpg 372w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-450x182.jpg 450w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-380x154.jpg 380w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Metals-trader-\u2013-A-case-study1-285x115.jpg 285w\" sizes=\"auto, (max-width: 869px) 100vw, 869px\" \/>                  <\/a>\n                <\/div>\n                          <\/div>\n          <\/div>           <div class=\"swiper-slide\">\n            <div class=\"post-slide post-slide-small\">\n              <div class=\"post-information\">\n                <div class=\"post-card-meta\">\n                  <div class=\"meta-category\">\n                    Case Studies                  <\/div>\n                <\/div>\n                <div class=\"post-title\">\n                  <h4>\n                    <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/soft-commodities-trader\/\" rel=\"bookmark\" class=\"elipsise-2-line\">\n                      Soft commodities trader &#8211; A case study                    <\/a>\n                  <\/h4>\n                <\/div>\n              <\/div>\n                              <div class=\"post-image\">\n                  <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/soft-commodities-trader\/\" rel=\"bookmark\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"869\" height=\"352\" src=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Soft-commodities-trader-\u2013-A-case-study2.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Soft-commodities-trader-\u2013-A-case-study2.jpg 869w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Soft-commodities-trader-\u2013-A-case-study2-300x122.jpg 300w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Soft-commodities-trader-\u2013-A-case-study2-768x311.jpg 768w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Soft-commodities-trader-\u2013-A-case-study2-320x130.jpg 320w, 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<\/a>\n                <\/div>\n                          <\/div>\n          <\/div>           <div class=\"swiper-slide\">\n            <div class=\"post-slide post-slide-small\">\n              <div class=\"post-information\">\n                <div class=\"post-card-meta\">\n                  <div class=\"meta-category\">\n                    Case Studies                  <\/div>\n                <\/div>\n                <div class=\"post-title\">\n                  <h4>\n                    <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/food-distribution-company\/\" rel=\"bookmark\" class=\"elipsise-2-line\">\n                      Food distribution company &#8211; A case study                    <\/a>\n                  <\/h4>\n                <\/div>\n              <\/div>\n                              <div class=\"post-image\">\n                  <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/food-distribution-company\/\" rel=\"bookmark\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"869\" height=\"352\" src=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2.jpg 869w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-300x122.jpg 300w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-768x311.jpg 768w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-320x130.jpg 320w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-370x150.jpg 370w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-414x168.jpg 414w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-600x243.jpg 600w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-372x151.jpg 372w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-450x182.jpg 450w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-380x154.jpg 380w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Food-distribution-company-\u2013-A-case-study2-285x115.jpg 285w\" sizes=\"auto, (max-width: 869px) 100vw, 869px\" \/>                  <\/a>\n                <\/div>\n                          <\/div>\n          <\/div>           <div class=\"swiper-slide\">\n            <div class=\"post-slide post-slide-small\">\n              <div class=\"post-information\">\n                <div class=\"post-card-meta\">\n                  <div class=\"meta-category\">\n                    Case Studies                  <\/div>\n                <\/div>\n                <div class=\"post-title\">\n                  <h4>\n                    <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/energy-trading-group\/\" rel=\"bookmark\" class=\"elipsise-2-line\">\n                      Energy trading group &#8211; A case study                    <\/a>\n                  <\/h4>\n                <\/div>\n              <\/div>\n                              <div class=\"post-image\">\n                  <a href=\"https:\/\/www.tradefinanceglobal.com\/case-studies\/energy-trading-group\/\" rel=\"bookmark\">\n                    <img loading=\"lazy\" decoding=\"async\" width=\"869\" height=\"352\" src=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" srcset=\"https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2.jpg 869w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2-300x122.jpg 300w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2-768x311.jpg 768w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2-320x130.jpg 320w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2-370x150.jpg 370w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2024\/08\/Energy-trading-group-\u2013-A-case-study2-414x168.jpg 414w, 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             <img loading='lazy' alt='6f0bea5b-72a7-47c7-aa2e-3de4ceecce83' style=''  width='100%' height='auto' src='https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2020\/03\/6f0bea5b-72a7-47c7-aa2e-3de4ceecce83.jpg' srcset='https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2020\/03\/6f0bea5b-72a7-47c7-aa2e-3de4ceecce83.jpg 139w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2020\/03\/6f0bea5b-72a7-47c7-aa2e-3de4ceecce83-123x123.jpg 123w' \/>                  <\/a>\n      <\/div>\n      <div class=\"fs-16 fw-600 mt-16\">\n        <a href=\"https:\/\/www.tradefinanceglobal.com\/posts\/author\/maelia-dufour\/\" class='text-black fw-600'>\n          Ma\u00eblia Dufour        <\/a>\n      <\/div>\n            Director International Relations, Business Development, Rating, Environment and Climate,    <\/div>\n              <\/div>\n                      <div class=\"swiper-slide\">\n                  <div class=\"overflow-hidden text-left p-16 rounded 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Marc Meyer        <\/a>\n      <\/div>\n            SVP Subject Matter Expert    <\/div>\n              <\/div>\n                      <div class=\"swiper-slide\">\n                  <div class=\"overflow-hidden text-left p-16 rounded bg-light-blue\" >\n            <div class=\"overflow-hidden rounded\">\n        <a href=\"https:\/\/www.tradefinanceglobal.com\/posts\/author\/mathieu-saadati\/\" class='max-w-100 overflow-hidden rounded d-block user-card-image'>\n                      <img loading='lazy' alt='Photo Mathieu Saadati' style=''  width='100%' height='auto' src='https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2020\/05\/Photo-Mathieu-Saadati-150x150.jpg' srcset='https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2020\/05\/Photo-Mathieu-Saadati-300x200.jpg 300w, https:\/\/www.tradefinanceglobal.com\/wp-content\/uploads\/2020\/05\/Photo-Mathieu-Saadati-1024x683.jpg 1024w, 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