{"id":8306,"date":"2024-02-29T15:47:34","date_gmt":"2024-02-29T15:47:34","guid":{"rendered":"https:\/\/www.turbocrowd.it\/?p=8306"},"modified":"2024-12-02T11:39:13","modified_gmt":"2024-12-02T11:39:13","slug":"crowdfunding-credit-reputation","status":"publish","type":"post","link":"https:\/\/www.turbocrowd.it\/fr\/crowdfunding-credit-reputation\/","title":{"rendered":"Le crowdfunding pour am\u00e9liorer votre r\u00e9putation de cr\u00e9dit"},"content":{"rendered":"<p class=\"translation-block\">Pour une start-up ou une PME en Italie, il peut \u00eatre difficile d'acc\u00e9der au cr\u00e9dit bancaire, car les param\u00e8tres requis pour avoir une bonne <strong>cr\u00e9dit rating<\/strong> sont souvent inaccessibles et les conditions \u00e0 remplir apr\u00e8s tout financement sont on\u00e9reuses pour ces types d'entreprises.<\/p>\n\n\n\n<p class=\"translation-block\">Or, il n'est pas possible de se d\u00e9velopper sans financement. Comment sortir de l'impasse ? Il est essentiel d'\u00e9largir sa vision de toutes les sources de financement possibles pour une entreprise, qui sont aujourd'hui plus nombreuses que jamais gr\u00e2ce \u00e0 la finance alternative. Pour soutenir efficacement et continuellement la croissance d'une entreprise, il faut conna\u00eetre et savoir exploiter toutes ces sources au bon moment, que ce soit successivement \u00e0 diff\u00e9rents stades de la vie de l'entreprise ou l'une comme pr\u00e9alable \u00e0 une autre, voire deux en m\u00eame temps : cela fait partie de la strat\u00e9gie de <a href=\"https:\/\/www.turbocrowd.it\/fr\/levee-de-fonds\/\" target=\"_blank\" rel=\"noreferrer noopener\">transformation de la lev\u00e9e de capitaux en actif d'entreprise<\/a>.<\/p>\n\n\n\n<p class=\"translation-block\">M\u00e9langer <a href=\"https:\/\/www.turbocrowd.it\/fr\/strategies-de-mobilisation-de-capitaux\/\" target=\"_blank\" rel=\"noreferrer noopener\">des instruments de financement alternatifs<\/a> avec des canaux de financement traditionnels, par exemple, est une strat\u00e9gie qui peut faciliter l'acc\u00e8s \u00e0 ces derniers : d\u00e9couvrez comment le <strong>crowdfunding<\/strong> peut am\u00e9liorer votre r\u00e9putation de cr\u00e9dit<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>La solvabilit\u00e9 : ce qu'elle est et comment on l'obtient<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"translation-block\">La solvabilit\u00e9 est un indicateur permettant d'\u00e9valuer la fiabilit\u00e9 d'un demandeur de pr\u00eat, qui mesure son risque de d\u00e9faillance. Lorsqu'une banque re\u00e7oit une demande de pr\u00eat, elle doit <strong>v\u00e9rifier<\/strong> la solvabilit\u00e9 de l'entreprise ou de la personne demanderesse, conform\u00e9ment \u00e0 la loi, afin d'\u00e9valuer si elle peut ou non accorder le pr\u00eat<\/strong>, et sur la base de la notation, elle d\u00e9termine \u00e9galement les conditions \u00e0 appliquer. Les entreprises peuvent avoir d\u00e9j\u00e0 une notation attribu\u00e9e par une agence sp\u00e9cialis\u00e9e autoris\u00e9e par la Banque d'Italie : dans ce cas, la banque peut se r\u00e9f\u00e9rer \u00e0 cette notation ou d\u00e9cider d'attribuer sa propre notation.<\/p>\n\n\n\n<p class=\"translation-block\">Le <strong>calcul de la solvabilit\u00e9<\/strong> est complexe et prend en compte plusieurs facteurs, tant qualitatifs que quantitatifs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L'analyse quantitative consiste en un examen d\u00e9taill\u00e9 du bilan de l'entreprise, en mettant l'accent sur les flux de tr\u00e9sorerie et sur le rapport entre l'actif et le passif et entre les dettes et les capitaux propres ;<\/li>\n\n\n\n<li>l'analyse qualitative d\u00e9finit l'image globale de l'entreprise, depuis son march\u00e9, sa forme juridique et sa position concurrentielle jusqu'\u00e0 la composition de sa direction et sa strat\u00e9gie commerciale ;<\/li>\n\n\n\n<li>l'analyse historique v\u00e9rifie l'\u00e9volution des dettes ant\u00e9rieures et actuelles de l'entreprise, le montant et la taille des dettes en cours, les \u00e9ventuelles insolvabilit\u00e9s et les retards de paiement.<\/li>\n<\/ul>\n\n\n\n<p>Sur la base de ces param\u00e8tres, une note num\u00e9rique (credit score) est attribu\u00e9e \u00e0 l'entreprise, qui d\u00e9termine son appartenance \u00e0 l'une des classes de notation allant de AAA \u00e0 C (de la plus fiable \u00e0 la moins fiable).<\/p>\n\n\n\n<p>Pour avoir une bonne solvabilit\u00e9, il faut donc avoir de bons param\u00e8tres financiers, ne pas \u00eatre surendett\u00e9, rembourser les pr\u00eats \u00e0 temps, respecter toutes les autres obligations financi\u00e8res (par exemple, le paiement des factures et des fournisseurs), garantir les paiements des clients et surveiller en permanence les flux de tr\u00e9sorerie.&nbsp;<\/p>\n\n\n\n<p>Bon nombre des conditions \u00e9num\u00e9r\u00e9es sont vraiment difficiles \u00e0 remplir pour une start-up, qui dispose de peu de param\u00e8tres, mais aussi pour des entreprises plus matures. Le crowdfunding peut contribuer \u00e0 am\u00e9liorer les ratios auxquels les banques accordent le plus d'attention lorsqu'elles \u00e9valuent la solvabilit\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Am\u00e9liorer la r\u00e9putation de cr\u00e9dit gr\u00e2ce au reward crowdfunding<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Le crowdfunding avec r\u00e9compense est un moyen de lever des fonds qui permet de commencer \u00e0 vendre, m\u00eame si le produit n'en est encore qu'au stade du prototype. Commencer \u00e0 vendre signifie commencer \u00e0 avoir des chiffres : gr\u00e2ce \u00e0 la campagne de crowdfunding, vous cr\u00e9ez une communaut\u00e9 de supporters qui paient pour le produit avant m\u00eame de l'avoir, g\u00e9n\u00e9rant ainsi des revenus pour l'entreprise.<\/p>\n\n\n\n<p class=\"translation-block\">Les clients et le capital n\u00e9cessaire \u00e0 la r\u00e9alisation et \u00e0 la distribution initiale du produit sont obtenus au cours de la m\u00eame op\u00e9ration. En m\u00eame temps, une campagne de reward crowdfunding est un test de march\u00e9 qui permet de v\u00e9rifier s'il existe une demande pour ce produit et de recueillir des commentaires sur d'\u00e9ventuelles am\u00e9liorations. Lisez <a href=\"https:\/\/www.turbocrowd.it\/fr\/reward-crowdfunding\/\" target=\"_blank\" rel=\"noreferrer noopener\">l'article sur le reward crowdfunding<\/a> pour en savoir plus sur son fonctionnement et ses avantages.<\/p>\n\n\n\n<p class=\"translation-block\">Pouvoir <strong>d\u00e9montrer \u00e0 une banque que les affaires marchent<\/strong> parce qu'il y a des gens pr\u00eats \u00e0 payer pour un produit, sans m\u00eame le recevoir imm\u00e9diatement, est un bon coup de pouce pour la r\u00e9putation de cr\u00e9dit, parce que l'institution pr\u00eateuse saura qu'elle n'a pas besoin d'\u00eatre la premi\u00e8re \u00e0 croire en l'entreprise qui lui demande un financement : d'autres l'ont d\u00e9j\u00e0 fait.<\/p>\n\n\n\n<div data-aos= \"slide-right\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-container uagb-block-1e0fbaf5 alignfull uagb-is-root-container\">\n<div style=\"margin-top:0;margin-bottom:0;height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bcf26494\"><h2 class=\"uagb-heading-text\"><strong>Vous souhaitez discuter directement avec nos experts en crowdfunding du sujet que vous lisez ?<\/strong><\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-1263b640\"><p class=\"uagb-heading-text\">Turbo Crowd peut vous r\u00e9v\u00e9ler toutes les ficelles du m\u00e9tier de crowdfunding, vous montrer les possibilit\u00e9s de collecte de capitaux qui s'offrent \u00e0 vous et vous fournir un soutien pratique pour mettre en place une campagne de crowdfunding r\u00e9ussie.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__medium-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-66b0de0d\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-adaecfd1 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.turbocrowd.it\/fr\/reserver-une-consultation-gratuite-sur-le-blog\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">R\u00e9servez un appel vid\u00e9o GRATUIT !<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>L'equity crowdfunding pour am\u00e9liorer sa solvabilit\u00e9<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Une campagne d'equity crowdfunding montre \u00e9galement \u00e0 la banque que de nombreuses personnes croient d\u00e9j\u00e0 au potentiel de l'entreprise. Au point de vouloir devenir actionnaires : avec plus de personnes dans l'entreprise, par opposition \u00e0 un ou quelques actionnaires, plus de personnes peuvent intervenir si une injection de fonds est n\u00e9cessaire et le risque est att\u00e9nu\u00e9 par le partage de ces fonds.&nbsp;<\/p>\n\n\n\n<p>Mais ce n'est pas tout : une campagne d'equity crowdfunding est une augmentation de capital qui, dans la plupart des cas, se fait avec une prime, c'est-\u00e0-dire que les actions sont vendues sur le march\u00e9 \u00e0 une valeur sup\u00e9rieure \u00e0 leur valeur nominale. Cette prime est inscrite au bilan sous la rubrique \"r\u00e9serve de primes d'\u00e9mission\" et augmente les actifs de l'entreprise.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"translation-block\">Parmi les nombreux avantages d'une <a href=\"https:\/\/www.turbocrowd.it\/fr\/une-campagne-dequity-crowdfunding-reussie\/\" target=\"_blank\" rel=\"noreferrer noopener\">campagne d'equity crowdfunding r\u00e9ussie<\/a>, il y a donc aussi une <strong>am\u00e9lioration de la solvabilit\u00e9<\/strong>. La <strong>cote de cr\u00e9dit<\/strong> est renforc\u00e9e par le capital plus important disponible, une structure d'entreprise aux \u00e9paules plus larges, les r\u00e9actions positives du march\u00e9 et l'utilisation que l'entreprise aura faite des ressources mat\u00e9rielles et immat\u00e9rielles gagn\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Instruments financiers participatifs pour am\u00e9liorer la r\u00e9putation de cr\u00e9dit<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Nous avons beaucoup parl\u00e9 des avantages strat\u00e9giques des <a href=\"https:\/\/www.turbocrowd.it\/fr\/les-instruments-financiers-participatifs-ce-quils-sont\/\" target=\"_blank\" rel=\"noreferrer noopener\">instruments financiers participatifs et de l'accord SAFE<\/a>. <a href=\"https:\/\/www.turbocrowd.it\/fr\/les-instruments-financiers-participatifs-ce-quils-sont\/\">Avantages strat\u00e9giques des instruments financiers participatifs et de l'accord SAFE<\/a>.<\/p>\n\n\n\n<p class=\"translation-block\">Du point de vue de la <strong>cr\u00e9ditation<\/strong>, l'utilisation des PFU offre les m\u00eames am\u00e9liorations que l'equity crowdfunding. En outre, il permet de s\u00e9lectionner les investisseurs, de faire appel \u00e0 des professionnels utiles et de gagner en autorit\u00e9.<\/p>\n\n\n\n<p>Le capital lev\u00e9 avec le FFS est initialement un hybride entre dette et capital, mais comme il n'y a pas de clause de remboursement, il est inscrit au bilan sans \u00eatre imput\u00e9 au m\u00eame poste que la dette. Il n'est donc pas pris en compte dans l'\u00e9valuation de la dette que l'entreprise a d\u00e9j\u00e0 dans ses livres.<\/p>\n\n\n\n<p>C'est pourquoi le lending crowdfunding n'est pas utile pour am\u00e9liorer la solvabilit\u00e9 : il s'agit d'une dette.<\/p>\n\n\n\n<p class=\"translation-block\">Le potentiel du crowdfunding, comme on peut le voir, va bien au-del\u00e0 de la finance alternative, et les banques elles-m\u00eames montrent en fait de l'int\u00e9r\u00eat pour cet instrument, en activant des partenariats ou des collaborations \u00e0 divers titres avec des plateformes ou en devenant elles-m\u00eames propri\u00e9taires de portails de crowdfunding (une tendance qui a \u00e9t\u00e9 not\u00e9e dans toute l'Europe par le dernier <a href=\"https:\/\/www.crowdfunding-research.org\/about-5\" target=\"_blank\" rel=\"noreferrer noopener\">European Crowdfunding Market Report<\/a>).<\/p>\n\n\n\n<p><strong>Pour savoir comment tirer pleinement parti des avantages concurrentiels du crowdfunding afin d'am\u00e9liorer les param\u00e8tres de notation de votre entreprise, d\u00e9couvrez les diff\u00e9rents types de crowdfunding sur notre blog. <a href=\"https:\/\/www.turbocrowd.it\/fr\/blog-crowdfunding\/\" rel=\"noreferrer noopener\">sur notre blog<\/a>. <\/strong><\/p>\n\n\n\n<div data-aos= \"slide-right\" data-aos-duration=\"400\" data-aos-delay=\"0\" data-aos-easing=\"ease\" data-aos-once=\"true\" class=\"wp-block-uagb-container uagb-block-1e0fbaf5 alignfull uagb-is-root-container\">\n<div style=\"margin-top:0;margin-bottom:0;height:8px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bcf26494\"><h2 class=\"uagb-heading-text\"><strong><strong><strong><strong>Vous avez besoin d'aide pour pr\u00e9parer une campagne de crowdfunding r\u00e9ussie et rechercher des investisseurs potentiels pour votre projet ?<\/strong><\/strong><\/strong><\/strong><\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-1263b640\"><p class=\"uagb-heading-text\">Turbo Crowd peut vous accompagner tout au long du processus, de l'organisation de la pr\u00e9-foule \u00e0 la cl\u00f4ture de la collecte, en d\u00e9veloppant des strat\u00e9gies de marketing efficaces et innovantes pour promouvoir votre campagne de la meilleure fa\u00e7on possible.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__medium-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-66b0de0d\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-adaecfd1 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.turbocrowd.it\/fr\/reserver-une-consultation-gratuite-sur-le-blog\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">R\u00e9servez un appel vid\u00e9o GRATUIT !<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p class=\"translation-block\">Pour une start-up ou une PME en Italie, il peut \u00eatre difficile d'acc\u00e9der au cr\u00e9dit bancaire, car les param\u00e8tres requis pour avoir une bonne <strong>cr\u00e9dit rating<\/strong> sont souvent inaccessibles et les conditions \u00e0 remplir apr\u00e8s tout financement sont on\u00e9reuses pour ces types d'entreprises.<\/p>","protected":false},"author":16,"featured_media":8307,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[203],"tags":[55],"class_list":["post-8306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fare-impresa","tag-finanziamenti-per-startup"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Il crowdfunding per migliorare la tua reputazione creditizia | Turbo Crowd<\/title>\n<meta name=\"description\" content=\"Scopri come il crowdfunding pu\u00f2 migliorare la tua reputazione creditizia e perch\u00e9 dovresti mixare finanza alternativa e finanza tradizionale.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.turbocrowd.it\/fr\/crowdfunding-credit-reputation\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Il crowdfunding per migliorare la tua reputazione creditizia | Turbo Crowd\" \/>\n<meta property=\"og:description\" content=\"Scopri come il crowdfunding pu\u00f2 migliorare la tua reputazione creditizia e perch\u00e9 dovresti mixare finanza alternativa e finanza tradizionale.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.turbocrowd.it\/fr\/crowdfunding-credit-reputation\/\" \/>\n<meta property=\"og:site_name\" content=\"Turbo Crowd\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100063968918578\" \/>\n<meta property=\"article:published_time\" content=\"2024-02-29T15:47:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-02T11:39:13+00:00\" \/>\n<meta property=\"og:image\" 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