{"id":22683,"date":"2023-03-30T00:00:00","date_gmt":"2023-03-30T00:00:00","guid":{"rendered":""},"modified":"2024-02-26T15:13:13","modified_gmt":"2024-02-26T15:13:13","slug":"emprunter-pour-contribuer-a-la-croissance-de-son-entreprise-6-questions-a-se-poser","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/financement-dentreprise\/emprunter-pour-contribuer-a-la-croissance-de-son-entreprise-6-questions-a-se-poser\/","title":{"rendered":"Emprunter pour contribuer \u00e0 la croissance de son entreprise\u00a0: 6\u00a0questions \u00e0 se poser"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/entrepreneur\/\">\n\t\t\t\t\t\t\t<span>Entrepreneur<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Emprunter pour contribuer \u00e0 la croissance de son entreprise\u00a0: 6\u00a0questions \u00e0 se poser<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T111233.852.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Gens d&#039;affaires discutant d&#039;un tableau d&#039;affaires\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T111233.852.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T111233.852.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T111233.852.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Emprunter pour contribuer \u00e0 la croissance de son entreprise\u00a0: 6\u00a0questions \u00e0 se poser &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/financement-dentreprise\/emprunter-pour-contribuer-a-la-croissance-de-son-entreprise-6-questions-a-se-poser\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/financement-dentreprise\/emprunter-pour-contribuer-a-la-croissance-de-son-entreprise-6-questions-a-se-poser\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 30 mars 2023 \u2022 6 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Ces 12&nbsp;derniers mois, les taux d\u2019int\u00e9r\u00eat ont beaucoup fluctu\u00e9 et il serait bien hasardeux de pr\u00e9dire leur \u00e9volution. Sachez que plus d\u2019un propri\u00e9taire d\u2019entreprise se demande s\u2019il est sens\u00e9 d\u2019emprunter actuellement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-voici-six-questions-a-vous-poser-pour-y-voir-plus-clair\">Voici six questions \u00e0 vous poser pour y voir plus clair.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Ai-je r\u00e9ellement besoin d\u2019emprunter&nbsp;?<\/h3>\n\n\n\n<p>Supposons que vous manquiez d\u2019argent pour acqu\u00e9rir de nouveaux \u00e9quipements (efficacit\u00e9 op\u00e9rationnelle oblige) ou vous adjoindre des ressources suppl\u00e9mentaires afin de continuer \u00e0 r\u00e9pondre \u00e0 la demande. Dans ce cas, emprunter peut \u00eatre judicieux. Une analyse des besoins permettant de d\u00e9terminer quelle somme serait n\u00e9cessaire et pendant combien de temps vous aidera \u00e0 ne pas emprunter plus que n\u00e9cessaire, ni payer des int\u00e9r\u00eats superflus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Vu ma situation financi\u00e8re actuelle, puis-je m\u2019endetter davantage&nbsp;?<\/h3>\n\n\n\n<p>Quel est votre fardeau actuel&nbsp;? Vous le saurez en d\u00e9terminant votre ratio d\u2019endettement, soit le pourcentage de l\u2019actif de votre entreprise qui est financ\u00e9 par des cr\u00e9anciers. Ce sera l\u2019un des crit\u00e8res examin\u00e9s par les pr\u00eateurs potentiels. Il est donc bon de conna\u00eetre cette donn\u00e9e avant d\u2019emprunter.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse40fbc764\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse40fbc764\" data-dig-id=\"LP-22683-40fbc764\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Comment calculer le ratio d\u2019endettement\"><span>Comment calculer le ratio d\u2019endettement<\/span><span>Comment calculer le ratio d\u2019endettement<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse40fbc764\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Divisez votre dette totale par votre actif total. Bien que le \u00ab&nbsp;bon&nbsp;\u00bb ratio d\u2019endettement varie beaucoup d\u2019un secteur d\u2019activit\u00e9 \u00e0 l\u2019autre, inf\u00e9rieur \u00e0&nbsp;0,3, il sera consid\u00e9r\u00e9 comme raisonnable. Au-dessus de&nbsp;0,6, il vous serait moins facile d\u2019obtenir des pr\u00eats suppl\u00e9mentaires et cela peut signifier que vous devriez attendre que vos dettes diminuent.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">3. Ma tr\u00e9sorerie pourra-t-elle absorber le surcro\u00eet d\u2019endettement&nbsp;?<\/h3>\n\n\n\n<p>Tout emprunt a un co\u00fbt. Que vous ayez \u00e0 effectuer des paiements sur capital et int\u00e9r\u00eats ou des paiements sur int\u00e9r\u00eats seulement, vous devrez vous assurer d\u2019un flux de tr\u00e9sorerie r\u00e9gulier. Pouvez-vous vous permettre d\u2019emprunter&nbsp;? Si les taux d\u2019int\u00e9r\u00eat montaient encore, pourriez-vous faire vos paiements sans trop de difficult\u00e9s&nbsp;?<\/p>\n\n\n\n<p>S\u2019il y a lieu, prenez quelques instants pour calculer votre ratio de couverture de la dette. Il s\u2019agit d\u2019une mesure cl\u00e9 de votre capacit\u00e9 \u00e0 rembourser vos pr\u00eats, \u00e0 en contracter de nouveaux et \u00e0 verser des dividendes.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible mar-b-hlf\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse6ec4e6d3\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse6ec4e6d3\" data-dig-id=\"LP-22683-6ec4e6d3\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Comment calculer votre ratio de couverture de la dette\"><span>Comment calculer votre ratio de couverture de la dette<\/span><span>Comment calculer votre ratio de couverture de la dette<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse6ec4e6d3\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Divisez le r\u00e9sultat net d\u2019exploitation par le service de la dette, soit la somme de toutes les dettes \u00e0 court terme (capital et int\u00e9r\u00eats compris). Gardez \u00e0 l\u2019esprit vos pr\u00e9visions de tr\u00e9sorerie \u00e0 moyen et \u00e0 long terme, car il faut vous assurer que votre ratio demeurera suffisant dans un avenir pr\u00e9visible. En g\u00e9n\u00e9ral, plus il sera sup\u00e9rieur \u00e0&nbsp;1,25 (couverture de&nbsp;125&nbsp;%), mieux cela vaudra.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p>Attention, certains pr\u00eateurs calculent le ratio de couverture diff\u00e9remment, aussi est-il important de v\u00e9rifier avec eux quelles m\u00e9thodes ils utilisent et notamment s\u2019ils prennent en compte les distributions de soci\u00e9t\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Mon entreprise retirera-t-elle un gain r\u00e9el d\u2019un emprunt&nbsp;?<\/h3>\n\n\n\n<p>Votre d\u00e9cision d\u2019obtenir un pr\u00eat doit \u00eatre payante \u00e0 long terme. Son co\u00fbt doit habituellement \u00eatre inf\u00e9rieur au rendement g\u00e9n\u00e9r\u00e9 par l\u2019investissement. Estimez-vous fortement probable que la croissance de l\u2019entreprise sera \u00e0 la hauteur de l\u2019emprunt&nbsp;? Des contrats fermes sont-ils sur le point de se conclure&nbsp;? \u00cates-vous en train de conqu\u00e9rir de nouveaux march\u00e9s&nbsp;? Pensez \u00e0 faire des projections et \u00e0 dresser des sc\u00e9narios afin de d\u00e9terminer l\u2019impact qu\u2019auront les nouveaux revenus et les nouvelles d\u00e9penses&nbsp;\u2013&nbsp;y compris le co\u00fbt de l\u2019emprunt.<\/p>\n\n\n\n<p>\u00ab&nbsp;Nous parlons souvent de plans de croissance avec les entrepreneurs, explique Rebecca Vendersleen, premi\u00e8re directrice relationnelle, Services financiers commerciaux,&nbsp;RBC. Si vous envisagez un emprunt, le banquier et vous partirez d\u2019un bon pied si vous lui pr\u00e9sentez vos projections. Pensez \u00e0 expliquer d\u2019o\u00f9 elles proviennent \u2013&nbsp;quelles sont vos hypoth\u00e8ses cl\u00e9s, quelle analyse de sensibilit\u00e9 vous avez \u00e9ventuellement men\u00e9e ou quels contrats strat\u00e9giques sont en cours de n\u00e9gociation.&nbsp;\u00bb<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Compte tenu de l\u2019objectif, quel type d\u2019emprunt convient le mieux&nbsp;?<\/h3>\n\n\n\n<p>La dur\u00e9e pendant laquelle vous aurez besoin d\u2019argent d\u00e9termine la forme de cr\u00e9dit vers laquelle vous tourner. S\u2019il s\u2019agit par exemple de payer le personnel en attendant que les ventes rapportent, ou s\u2019il faut \u00e9toffer les stocks parce que la demande augmente, une marge de cr\u00e9dit d\u2019exploitation est appropri\u00e9e. Si c\u2019est de l\u2019\u00e9quipement qu\u2019il faut acheter, mieux vaudra sans doute demander un pr\u00eat \u00e0 terme.<\/p>\n\n\n\n<p>Si l\u2019emprunt doit couvrir l\u2019achat d\u2019un \u00e9quipement ou d\u2019un v\u00e9hicule, pensez \u00e0 la dur\u00e9e de vie de celui-ci. Vous en aurez l\u2019usage pendant trois ans&nbsp;? Faites en sorte que la p\u00e9riode de remboursement du pr\u00eat ne soit pas plus longue. Personne ne d\u00e9sire continuer \u00e0 payer pour un objet devenu inutile.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Ai-je pens\u00e9 \u00e0 d\u2019autres sources de financement&nbsp;?<\/h3>\n\n\n\n<p>Il existe plusieurs fa\u00e7ons d\u2019obtenir les fonds n\u00e9cessaires pour exploiter et d\u00e9velopper son entreprise. Une entreprise qui veut s\u2019\u00e9tendre, cr\u00e9er des emplois, faire progresser l\u2019innovation, lancer des projets environnementaux,&nbsp;etc. peut faire appel \u00e0 des subventions et programmes d\u2019incitation gouvernementaux qu\u2019elle n\u2019aura pas \u00e0 rembourser. Pour plus de d\u00e9tails, lisez l\u2019article&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/business-stages\/grow-your-business\/5-ways-grants-can-help-grow-your-business-in-2023\/\" data-dig-id=\"LP-22683-95e73711\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5&nbsp;fa\u00e7ons dont les subventions peuvent contribuer \u00e0 la croissance de votre entreprise en&nbsp;2023\" class=\"rbc-link-format\">5&nbsp;fa\u00e7ons dont les subventions peuvent contribuer \u00e0 la croissance de votre entreprise en&nbsp;2023<\/a>.<\/p>\n\n\n\n<p>Demandez-vous \u00e9galement si un futur partenaire ne pourrait pas investir dans votre entreprise ou si vous n\u2019auriez pas avantage \u00e0 vendre tel ou tel actif dont l\u2019exploitation n\u2019est gu\u00e8re lucrative.<\/p>\n\n\n\n<p>En affaires, il est souvent indispensable d\u2019emprunter, surtout si l\u2019on veut \u00e9tendre ses activit\u00e9s. \u00c9valuez vos besoins mais gardez en t\u00eate les autres possibilit\u00e9s de financement, votre situation financi\u00e8re actuelle et future ainsi que le gain vis\u00e9. Par ailleurs, si vous empruntez et que les taux d\u2019int\u00e9r\u00eat montent, il est important de proc\u00e9der \u00e0 une simulation de crise afin de v\u00e9rifier que vos finances vous permettraient de continuer \u00e0 rembourser l\u2019emprunt si son co\u00fbt augmentait.<\/p>\n\n\n\n<p>Pour y voir plus clair et avoir l\u2019assurance de prendre les bonnes d\u00e9cisions, n\u2019h\u00e9sitez pas \u00e0 parler avec un directeur de comptes d\u2019entreprise.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Emprunter pour contribuer \u00e0 la croissance de son entreprise\u00a0: 6\u00a0questions \u00e0 se poser &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/financement-dentreprise\/emprunter-pour-contribuer-a-la-croissance-de-son-entreprise-6-questions-a-se-poser\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/financement-dentreprise\/emprunter-pour-contribuer-a-la-croissance-de-son-entreprise-6-questions-a-se-poser\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-6f9a2972-a661-4fe9-bda0-f561a978469a\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/entrepreneur\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Entrepreneur<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-970237950.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Personnes dans l\u2019entrep\u00f4t\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-970237950.jpg 2120w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-970237950.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-970237950.jpg?resize=768,513 768w, 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https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1397610357.jpg?resize=300,189 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1397610357.jpg?resize=768,484 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1397610357.jpg?resize=1024,646 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1397610357.jpg?resize=1536,969 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/iStock-1397610357.jpg?resize=2048,1292 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" 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suivantes.<\/p>\n","protected":false},"author":10,"featured_media":22684,"parent":6572,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[187],"rbc_content_type":[121],"rbc_audience":[316],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[33,108,51],"class_list":["post-22683","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-entrepreneur","rbc_content_type-article","rbc_audience-proprietaires-dentreprise","rbc_lob_group-entreprises","rbc_difficulty_level-beginner","rbc_mmm_category-entreprises","rbc_mmm_category-financement-dentreprise","rbc_mmm_category-gestion-de-lentreprise"],"acf":{"contently_publication_id":"352151","custom_author":"","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site 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