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Passeport PretPME.fr

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La Banque a refusé un prêt à votre PME ?
Découvrez dans ce Webinaire les réponses que vous apportera votre
Passeport PretPME.fr

Le Passeport PretPME.fr permet de :

de découvrir les éléments qui guident la décision de votre banque
d'obtenir une cartographie des différentes sources de financement qui restent ouvertes suivant la situation de votre PME
de recevoir de notre part une feuille de route pour activer les sources qui vous correspondent le mieux

Le Passeport Prêt PME est gratuit !
Il suffit de donner votre numéro SIREN
pour recevoir les tous premiers éléments d'analyse sous 24h
via http://passeport.pretpme.fr

Published in: Business
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Passeport PretPME.fr

  1. 1. Prêt PME Webinaire du 24 juin 2014 Découvrez le Passeport PretPME.fr
  2. 2. Qui sommes-nous ?  Prêt PME est le premier établissement de financement participatif pour permettre aux particuliers de prêter aux PME dès le 1er octobre  Les fondateurs de Prêt PME ont une expérience inégalée de la finance participative qu’ils ont contribué à faire émerger en France depuis 2006
  3. 3. La nouvelle loi en vigueur au 1er Oct  Les gens peuvent prêter collectivement jusqu’à €1 million à une PME  À concurrence de €1000 par prêteur par projet ◦ Sans limitation sur le nombre de projets  Création d’un statut d’Intermédiaire en Financement Participatif (IFP)
  4. 4. L’expérience de la demande de financement bancaire  La demande initiale de financement bancaire exige de fournir de nombreux éléments avant même de démarrer  Le traitement du dossier de financement est très opaque au-delà du conseiller clientèle pro  Quand une réponse négative tombe, les explications n’offrent pas toujours un moyen clair pour rebondir
  5. 5. Le Passeport PretPME.fr  http://passeport.pretpme.fr  Une solution pour rebondir ◦ Comprendre, Re-challenger, Trouver des alternatives  Un diagnostic rapide adaptée à votre entreprise ◦ Satisfaction des critères clés ◦ Sources alternatives de financement  Des partenariats vers des solutions alternatives (en cours)
  6. 6. Le passeport PretPME.fr  Peu de données demandées et incomplètes  Qualification rapide du profil  Itérations possibles à la suite  Check-list  Données complètes et exhaustives  Analyse approfondie  Certification  Scoring bancaire  Dossier de financement  Simulation EST N’EST PAS
  7. 7. Comment ça marche ? Je vais sur le site www.pretpme.fr J’indique mon numéro de SIREN Je reçois mon passeport PretPME.fr Si nécessaire, je complète mes données Je reçois la version mise à jour de mon passeport PretPME.fr
  8. 8. Comment lire le passeport ?
  9. 9. Les visas « Règle de l’harmonie entre emplois et ressources » (1) (1) Laure Matsoukis http://lmktraining.com/financement-actifs-3-regles-respecter/ Court terme -2 ans Moyen terme 2-7 ans Long terme +7 ans
  10. 10. Compléter son passeport Conditions du passeport PretPME.fr • 2 ans d’historiques comptables • Entreprises en France métropolitaine (hors DOM/TOM et étranger) • Comptes non déposées au greffe • Eléments complémentaires (garanties, type de client,…) • Eléments complémentaires libres remarques sur un passeport déjà établi • Facteurs de défaillance
  11. 11. Lecture du passeport Sources de financement Critères Détails des critères
  12. 12. Les critères Moyens de financement Critères Financements bancaires Découvert • Indicateurs de défaillance • Situation financière Prêts bancaires • Indicateurs de défaillance • Position de l’entreprise • Performance économique • Prévisions économique • Garanties • Situation financière Financement en crowdfunding Prêt en crowdfunding • Indicateurs de défaillance • Position de l’entreprise • Performance économique • Prévisions économique • Situation financière • Activité favorable au crowdfunding Financements spécialisés Affacturage • Indicateurs défaillance • Qualité de facture Crédit-bail • Indicateurs défaillance • Garanties • Situation financière
  13. 13. Que représentent les critères ? Pourquoi vous prête t-on ? L’activité génère un flux financier régulier L’entreprise peut rembourser indépendamment de l’activité On peux faire confiance à l’entreprise • Historique • Prévisionnel • Secteur d’activité • Garanties réelles • Garanties personnelles • Montant des fonds propres • Evénements précurseurs de défaut • Connaissance tierce • Transparence • Historique bancaire
  14. 14. Pourquoi les banques sont-elles contraintes pour prêter ?  Garanties obligatoires  Critères sectoriels  Connaissance du chargé de clientèle professionnel (rentabilité du prêt)  Ratios financiers (fonds propres,…)
  15. 15. Le prêt en crowdfunding  Prêt non garantie d’une maturité de 3 ans ◦ Entre 25 000€ et 150 000€ ◦ Des taux versés aux prêteurs entre 4% et 8% (suivant le scoring du risque, et l’affinité du projet) ◦ Des frais de 3% de mise en place du prêt uniquement en cas de succès, et une commission de 1% sur le traitement des échéances  Des PME ayant plus de 2 ou 3 ans d’existence ◦ Avec un projet clair et un besoin de financement en adéquation avec celui-ci
  16. 16. Questions - Réponses PretPME.fr 16
  17. 17. Pour aller plus loin (1/2)  Vous êtes patron de PME : ◦ Pour demander votre passeport, il suffit de rentrer votre numéro SIREN à http://passeport.pretpme.fr ◦ Passeport => Dossier financement => Prêt en ligne au 1er octobre  Vous êtes expert comptable ◦ Contactez-nous pour devenir partenaire et proposer des prestations via notre plateforme  Dossier de financement partagé ◦ Faites bénéficier vos clients existants de l’offre gratuite de notre Passeport
  18. 18. Pour aller plus loin (2/2)  Vous êtes conseiller auprès des PME ◦ Contactez-nous pour mettre en avant les PME que vous accompagnez pour le lancement sur notre plateforme ◦ Utilisez le Passeport PretPME.fr pour aider ces PME à trouver les sources de financement qui leur correspondent  Vous êtes banquier ◦ Découvrez avec nous un moyen alternatif de financement en prêt sans garantie pour compléter votre offre tout en conservant un contact privilégié avec votre client pro
  19. 19. Contact • Frédéric Baud, président et co-fondateur de PretPME.fr • fbaud@pretpme.fr • 06 43 69 37 24 • Nicolas Guillaume, co-fondateur de PretPME.fr, en charge des opérations et des produits • nicolas.guillaume@pretpme.fr • 06 19 98 57 65 • http://www.pretpme.fr • Pour connaître en direct l’actualité du financement participatif : suivez nous sur Twitter @PretPME
  20. 20. Prochain webinaire Découvrez le Passeport Prêt PME Jeudi 10 juillet 2014 de 18:30 à 19:30 Inscription : webinaire.pretpme.fr  Retrouvez nos webinaires sur notre blog : http://blog.pretpme.fr/  Sur Slideshare : http://fr.slideshare.net/pretpme  Sur Youtube : https://www.youtube.com/watch?v=KtkgjFTI8SY&list=UU0BA XXhyO0QUn_5fynOwvyg

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