{"id":12876,"date":"2020-04-01T00:00:00","date_gmt":"2020-03-31T22:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/communique_de_presse\/prets-garantis-par-letat-publication-dune-foire-aux-questions-detaillee\/"},"modified":"2023-09-22T11:45:05","modified_gmt":"2023-09-22T09:45:05","slug":"prets-garantis-par-letat-publication-dune-foire-aux-questions-detaillee","status":"publish","type":"communique_de_presse","link":"https:\/\/fbf.fr\/fr\/communique_de_presse\/prets-garantis-par-letat-publication-dune-foire-aux-questions-detaillee\/","title":{"rendered":"Pr\u00eats garantis par l\u2019Etat : publication d\u2019une foire aux questions d\u00e9taill\u00e9e"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Bruno Le Maire, ministre de l\u2019Economie et des Finances, en lien avec la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) et Bpifrance, annonce la publication ce jour d\u2019un document questions-r\u00e9ponses sur le dispositif de Pr\u00eats garantis par l\u2019Etat.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La FAQ a \u00e9t\u00e9 mise \u00e0 jour le 22 avril 2020. Vous trouverez la version mise \u00e0 jour au lien suivant :&nbsp;<a href=\"https:\/\/fbf.fr\/fr\/newsroom\/espace-d-informations-covid-19\/\">FAQ&nbsp;&#8211;&nbsp;Pr\u00eat garanti par l&rsquo;Etat&nbsp;&#8211;&nbsp;Quelles d\u00e9marches pour en b\u00e9n\u00e9ficier ?<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce document apporte des r\u00e9ponses pr\u00e9cises \u00e0 pr\u00e8s de 40 questions pratiques sur les entreprises \u00e9ligibles au dispositif, la proc\u00e9dure d&rsquo;octroi du pr\u00eat garanti par l&rsquo;Etat, les caract\u00e9ristiques du pr\u00eat et de la garantie apport\u00e9e. Ce support a vocation \u00e0 r\u00e9pondre aux interrogations des entreprises b\u00e9n\u00e9ficiaires et \u00e0 assister les r\u00e9seaux bancaires dans l&rsquo;instruction des demandes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce document rappelle notamment que :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les banques s&rsquo;engagent \u00e0 octroyer tr\u00e8s largement le pr\u00eat garanti par l&rsquo;Etat dans un d\u00e9lai de 5 jours \u00e0 compter de la r\u00e9ception d&rsquo;un dossier simplifi\u00e9, pour toutes les entreprises dont le chiffre d&rsquo;affaires est inf\u00e9rieur \u00e0 10 M\u20ac (ou un seuil sup\u00e9rieur propre \u00e0 la banque) et qui ne pr\u00e9sentent pas de difficult\u00e9 financi\u00e8re (notations de 3++ \u00e0 5+), soit 85% des entreprises en France ;<\/li><li>Les banques s&rsquo;engagent pour tous les autres professionnels et entreprises \u00e0 examiner attentivement, au cas par cas, leur demande ; c&rsquo;est \u00e9galement le cas des&nbsp;<em>start-up<\/em>&nbsp;et des entreprises dont la notation Fiben ou \u00e9quivalente ne serait pas encore repr\u00e9sentative de leur potentiel \u00e0 moyen terme ;<\/li><li>En cas de d\u00e9cision n\u00e9gative, le professionnel ou l&rsquo;entreprise peut se rapprocher d&rsquo;autres banques ou s&rsquo;adresser \u00e0 la m\u00e9diation du cr\u00e9dit de son ressort.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/fbf.fr\/en\/government-backed-loans-detailed-qa-published\/\">Government-backed loans: Detailed Q&amp;A published<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Communiqu\u00e9 de presse &#8211; Pr\u00eats garantis par l&#039;Etat : publication d&#039;une foire aux questions d\u00e9taill\u00e9e<\/p><p class=\"postAttachment__fileSize\">411,1 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Communiqu\u00e9 de presse - Pr\u00eats garantis par l\\u0027Etat : publication d\\u0027une foire aux questions d\u00e9taill\u00e9e&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Communiqu\u00e9 de presse - Pr\u00eats garantis par l&#039;Etat : publication d&#039;une foire aux questions d\u00e9taill\u00e9e\" href=\"https:\/\/fbf.fr\/uploads\/2020\/12\/Prets-garantis-par-lEtat-publication-dune-foire-aux-questions-detaillee.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Communiqu\u00e9 de presse &#8211; Pr\u00eats garantis par l&#039;Etat : publication d&#039;une foire aux questions d\u00e9taill\u00e9e<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Foire aux questions &#8211; Pr\u00eat garanti par l&#039;Etat<\/p><p class=\"postAttachment__fileSize\">483,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Foire aux questions - Pr\u00eat garanti par l\\u0027Etat&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Foire aux questions - Pr\u00eat garanti par l&#039;Etat\" href=\"https:\/\/fbf.fr\/uploads\/2020\/12\/Foire-aux-questions-Pret-garanti-par-lEtat.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Foire aux questions &#8211; Pr\u00eat garanti par l&#039;Etat<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n<div class=\"author\"><div class=\"author__wrapper\"><img decoding=\"async\" class=\"author__portrait\" src=\"https:\/\/fbf.fr\/uploads\/2020\/09\/1578231572559.jpg\" alt=\"\"><p class=\"author__name\">Beno\u00eet DANTON<\/p><p class=\"author__contact\">bdanton@fbf.fr<\/p><p class=\"author__contact\">06.73.48.80.40<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Bruno Le Maire, ministre de l\u2019Economie et des Finances, en lien avec la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) et Bpifrance, annonce la publication ce jour d\u2019un document questions-r\u00e9ponses sur le dispositif de Pr\u00eats garantis par l\u2019Etat.<\/p>\n","protected":false},"author":36,"featured_media":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","views":3119,"viewed_at":"1778463505"},"categories":[1707,3347,3349,1582],"tags":[3274,3288],"class_list":["post-12876","communique_de_presse","type-communique_de_presse","status-publish","hentry","category-communiques","category-covid-19","category-entreprises-et-pme","category-rubrique-newsroom","tag-entreprises-et-pme","tag-pge"],"yoast_head":"<title>Pr\u00eats garantis par l\u2019Etat : publication d\u2019une foire aux questions d\u00e9taill\u00e9e<\/title>\n<meta name=\"description\" content=\"Bruno Le Maire, ministre de l\u2019Economie et des Finances, en lien avec la F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF) et Bpifrance, annonce la publication ce jour d\u2019un document questions-r\u00e9ponses sur le dispositif de Pr\u00eats 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