{"id":22700,"date":"2023-03-30T00:00:00","date_gmt":"2023-03-30T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/planification-dentreprise\/5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret\/"},"modified":"2024-09-06T17:03:03","modified_gmt":"2024-09-06T17:03:03","slug":"5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/planification-dentreprise\/5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret\/","title":{"rendered":"5\u00a0points \u00e0 envisager en contexte de hausse des taux d\u2019int\u00e9r\u00eat"},"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\/perspectives-secteur-commercial\/\">\n\t\t\t\t\t\t\t<span>Perspectives secteur commercial<\/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\">5\u00a0points \u00e0 envisager en contexte de hausse des taux d\u2019int\u00e9r\u00eat<\/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-2023-03-03T113452.898.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Femme propri\u00e9taire d&#039;entreprise travaillant dans son entreprise artisanale\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T113452.898.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T113452.898.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/TD-2023-03-03T113452.898.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=5\u00a0points \u00e0 envisager en contexte de hausse des taux d\u2019int\u00e9r\u00eat &#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\/planification-dentreprise\/5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret\/\">\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\/planification-dentreprise\/5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret\/\">\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>L\u2019\u00e9volution actuelle des taux d\u2019int\u00e9r\u00eat change bien des choses pour de nombreuses entreprises, et&nbsp;ce, \u00e0 plusieurs niveaux. Celles qui sont d\u00e9j\u00e0 fortement endett\u00e9es risquent de voir leur budget d\u2019exploitation soumis \u00e0 rude \u00e9preuve, alors que des possibilit\u00e9s de croissance s\u2019offrent \u00e0 celles qui disposent d\u2019actifs investissables.<\/p>\n\n\n\n<p>Voici cinq mani\u00e8res d\u2019absorber le choc d\u2019une hausse ou, au contraire, d\u2019en tirer profit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">1. Revoir sa strat\u00e9gie en mati\u00e8re d\u2019\u00e9pargne<\/h2>\n\n\n\n<p>La pand\u00e9mie a pouss\u00e9 beaucoup de propri\u00e9taires d\u2019entreprise \u00e0 conserver leurs surplus de liquidit\u00e9s dans leur compte d\u2019affaires, mais aujourd\u2019hui, il vaut mieux les diriger ailleurs. Parce que les taux d\u2019int\u00e9r\u00eat sont rest\u00e9s faibles pendant des ann\u00e9es, les CPG n\u2019ont gu\u00e8re fructifi\u00e9, mais \u00e0 pr\u00e9sent, les institutions financi\u00e8res affichent des rendements plus attrayants. Or il s\u2019agit, par d\u00e9finition, de placements s\u00fbrs.<\/p>\n\n\n\n<p>Si vos activit\u00e9s r\u00e9centes ont fait grossir vos liquidit\u00e9s, pensez \u00e0 \u00e9pargner selon des modalit\u00e9s flexibles, soit pour faire fructifier ces fonds \u00e0 court terme dans votre compte d\u2019\u00e9pargne, soit pour consolider vos \u00e9pargnes afin d\u2019acheter des biens d\u2019\u00e9quipement ou de parer \u00e0 vos d\u00e9penses \u00e0 moyen ou \u00e0 long terme. C\u2019est le conseil de Joanne Ironside, premi\u00e8re directrice relationnelle, March\u00e9s des entreprises \u00e0&nbsp;RBC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2. Se concentrer sur ce qui est contr\u00f4lable<\/h2>\n\n\n\n<p>Vous ne pouvez agir sur les taux d\u2019int\u00e9r\u00eat, et tenter de pr\u00e9voir leur \u00e9volution ne sert \u00e0 rien. Par cons\u00e9quent, s\u2019ils minent le r\u00e9sultat net de l\u2019entreprise, il n\u2019est pas mauvais d\u2019essayer de diminuer les d\u00e9penses ailleurs dans votre entreprise. Voici quelques pistes&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>R\u00e9duisez vos frais fixes ou variables.<\/strong>&nbsp;Vous pourriez peut-\u00eatre diminuer la superficie occup\u00e9e par vos bureaux, optimiser vos stocks ou ren\u00e9gocier des modalit\u00e9s plus avantageuses avec vos fournisseurs&nbsp;?Lisez l\u2019article&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/cash-flow-management-and-financials\/5-tips-to-help-find-hidden-savings-and-offset-rising-business-costs\/\" data-dig-id=\"LP-22700-6368f23d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5&nbsp;conseils pour faire des \u00e9conomies et compenser la hausse des co\u00fbts de votre entreprise\" class=\"rbc-link-format\">5&nbsp;conseils pour faire des \u00e9conomies et compenser la hausse des co\u00fbts de votre entreprise<\/a>. Vous y trouverez d\u2019autres fa\u00e7ons de pr\u00e9server votre marge b\u00e9n\u00e9ficiaire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\"><strong>Passez en revue vos cartes de cr\u00e9dit et vos pr\u00eats.<\/strong>&nbsp;Essayez d\u2019\u00e9conomiser sur les frais d\u2019int\u00e9r\u00eat en r\u00e9glant vos soldes \u00e0 temps. N\u2019oubliez pas non plus de tirer le maximum de vos cartes de cr\u00e9dit&nbsp;\u2013&nbsp;utilisez les points de r\u00e9compenses pour votre compte RBC&nbsp;Essentiel pour l\u2019entreprise.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Maximisez les cr\u00e9dits d\u2019imp\u00f4t et les subventions gouvernementales non remboursables.<\/strong>&nbsp;Certains partenariats \u00e0 valeur ajout\u00e9e ainsi que les ressources en ligne offertes sans frais aux propri\u00e9taires d\u2019entreprise constituent une autre forme de financement \u00ab&nbsp;gratuit&nbsp;\u00bb.Article connexe :&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-22700-55a8257a\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5&nbsp;fa\u00e7ons dont les subventions peuvent favoriser la croissance de votre entreprise en&nbsp;2023\" class=\"rbc-link-format\">5&nbsp;fa\u00e7ons dont les subventions peuvent favoriser la croissance de votre entreprise en&nbsp;2023<\/a><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Le Programme canadien d\u2019adoption du num\u00e9rique (PCAN) offre deux subventions qui visent \u00e0 aider les propri\u00e9taires \u00e0 lancer leur entreprise en ligne, \u00e0 rejoindre davantage de clients, \u00e0 exercer leurs activit\u00e9s de mani\u00e8re plus efficace et \u00e0 propulser leur entreprise vers de nouveaux sommets.&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/business-stages\/grow-your-business\/what-business-owners-need-to-know-before-applying-for-the-new-canada-digital-adoption-program-cdap\/\" data-dig-id=\"LP-22700-24af20b7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"D\u00e9tails\" class=\"rbc-link-format\">D\u00e9tails<\/a><\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">3. Comprendre les avantages et inconv\u00e9nients des taux fixes ou variables<\/h2>\n\n\n\n<p>Quand vous empruntez pour votre entreprise&nbsp;\u2013&nbsp;qu\u2019il s\u2019agisse d\u2019une hypoth\u00e8que commerciale, d\u2019un pr\u00eat \u00e0 terme ou d\u2019une marge de cr\u00e9dit&nbsp;\u2013, vous devez bien comprendre le type et les implications du taux en&nbsp;jeu.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Les pr\u00eats \u00e0 taux fixe s\u2019assortissent g\u00e9n\u00e9ralement d\u2019un taux affich\u00e9 plus \u00e9lev\u00e9, mais le montant des paiements ne variera pas pendant la dur\u00e9e du pr\u00eat m\u00eame si les taux augmentent.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Le co\u00fbt de remboursement d\u2019un pr\u00eat \u00e0 taux variable, par contre, s\u2019\u00e9l\u00e8ve en m\u00eame temps que les taux d\u2019int\u00e9r\u00eat \u2013 comme le r\u00e9alisent, depuis un an, les propri\u00e9taires d\u2019entreprise qui ont souscrit de tels pr\u00eats.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Dans l\u2019absolu, aucun des deux types de taux n\u2019est meilleur que l\u2019autre, mais la conjoncture peut rendre le choix plus clair. Il est bon d\u2019examiner quels impacts auraient diff\u00e9rents sc\u00e9narios sur votre tr\u00e9sorerie.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Pour savoir comment b\u00e2tir votre plan d\u2019affaires \u00e0 l\u2019aide de sc\u00e9narios, vous pourrez visionner les webinaires&nbsp;<a href=\"https:\/\/discover.rbcroyalbank.com\/rbc-small-business-talks-incorporating-scenario-planning-into-your-business-plan\/\" target=\"_blank\" rel=\"noreferrer noopener\">Conf\u00e9rences pour petite entreprise&nbsp;RBC<\/a>.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>En attendant, prenez le temps de vous poser quelques questions&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Si les taux augmentent encore, pourrai-je honorer les paiements de mon pr\u00eat ou hypoth\u00e8que \u00e0 taux variable ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Suis-je pr\u00eat(e) \u00e0 endosser le risque associ\u00e9 \u00e0 un produit \u00e0 taux variable ?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Puis-je m\u2019attendre \u00e0 un revenu r\u00e9gulier \u00e0 court ou \u00e0 moyen terme ? (Si oui, un pr\u00eat \u00e0 taux fixe ne compromettra pas la stabilit\u00e9 de ce revenu.)<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Les impacts des taux d\u2019int\u00e9r\u00eat sont plus \u00e9lev\u00e9s si vous \u00eates en affaires&nbsp;\u2013&nbsp;le loyer ou l\u2019hypoth\u00e8que est habituellement la d\u00e9pense la plus importante d\u2019un propri\u00e9taire d\u2019entreprise. \u00c0 ce propos, si vous h\u00e9sitez entre les deux formules, lisez l\u2019article&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/cash-flow-management-and-financials\/should-you-rent-or-buy-commercial-real-estate-5-questions-for-business-owners-to-ask-themselves\/\" data-dig-id=\"LP-22700-79e20ea4\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Achat ou location d\u2019un bien immobilier commercial pour votre entreprise&nbsp;? 5&nbsp;questions \u00e0 se poser\" class=\"rbc-link-format\">Achat ou location d\u2019un bien immobilier commercial pour votre entreprise&nbsp;? 5&nbsp;questions \u00e0 se poser<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">4. Se doter d\u2019un fonds d\u2019urgence<\/h2>\n\n\n\n<p>Les propri\u00e9taires d\u2019entreprise savent parfaitement que le r\u00e9sultat net d\u00e9pend de facteurs externes sur lesquels ils n\u2019ont aucun pouvoir, d\u2019o\u00f9 l\u2019importance de pr\u00e9voir un fonds de secours. Visez \u00e0 ce qu\u2019il subvienne \u00e0 au moins trois mois de frais fixes. Si possible, allez jusqu\u2019\u00e0 six mois.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Vous cherchez d\u2019autres fa\u00e7ons de vous prot\u00e9ger contre les al\u00e9as ? Lisez l\u2019article&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/business\/managing-your-business\/cash-flow-management-and-financials\/5-steps-to-strengthen-your-business-during-a-downward-economic-cycle\/\" data-dig-id=\"LP-22700-377f5cd1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5&nbsp;\u00e9tapes pour renforcer votre entreprise durant un cycle \u00e9conomique \u00e0 la baisse\" class=\"rbc-link-format\">5&nbsp;\u00e9tapes pour renforcer votre entreprise durant un cycle \u00e9conomique \u00e0 la baisse<\/a>.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">5. Monter un \u00ab&nbsp;fonds d\u2019occasions&nbsp;\u00bb<\/h2>\n\n\n\n<p>Votre fonds d\u2019urgence est cens\u00e9 subvenir \u00e0 vos d\u00e9penses mais, par ailleurs, des possibilit\u00e9s peuvent se pr\u00e9senter. Essayez de mettre de l\u2019argent de c\u00f4t\u00e9 pour en tirer parti. Au cours de la pand\u00e9mie, des propri\u00e9taires d\u2019entreprise ont trouv\u00e9 des moyens ing\u00e9nieux de d\u00e9velopper leurs activit\u00e9s et de r\u00e9pondre aux besoins des clients. En vous donnant les moyens de saisir ainsi des occasions, vous aiderez votre entreprise \u00e0 passer l\u2019orage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion<\/h3>\n\n\n\n<p>Une hausse des taux d\u2019int\u00e9r\u00eat rend l\u2019emprunt plus co\u00fbteux pour les propri\u00e9taires d\u2019entreprise, mais elle offre aussi la possibilit\u00e9 d\u2019\u00e9pargner davantage et incite \u00e0 examiner de plus pr\u00e8s les frais d\u2019exploitation. En vous familiarisant avec l\u2019impact des taux d\u2019int\u00e9r\u00eat sur votre entreprise et avec les possibilit\u00e9s qui s\u2019offrent \u00e0 elle, vous l\u2019aiderez \u00e0 demeurer saine financi\u00e8rement.<\/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=5\u00a0points \u00e0 envisager en contexte de hausse des taux d\u2019int\u00e9r\u00eat &#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\/planification-dentreprise\/5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret\/\">\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\/planification-dentreprise\/5-points-a-envisager-en-contexte-de-hausse-des-taux-dinteret\/\">\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-3526d203-c072-4375-ad59-ed93d6a83349\" 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\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/perspectives-secteur-commercial\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Perspectives secteur commercial<\/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=\"680\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un homme et une femme assis \u00e0 la caf\u00e9t\u00e9ria discutent de leurs finances du mois. Un couple stress\u00e9, portant des tabliers d&#039;uniforme, consulte ses factures au restaurant.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg 2125w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg?resize=300,199 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg?resize=768,510 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg?resize=1024,680 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg?resize=1536,1020 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/02\/Tax-Season-Image.jpg?resize=2048,1360 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\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/planification-dentreprise\/\">\n\t\t\t\t\t\tPlanification d\u2019entreprise\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/planification-dentreprise\/vivez-la-periode-des-impots-sans-stress\/\" class=\"card-title h4 mar-t-0\">Soyez pr\u00eat pour la p\u00e9riode fiscale\u00a0: cinq\u00a0mesures proactives \u00e0 adopter par les propri\u00e9taires d\u2019entreprise<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\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=\"629\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png 2948w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png?resize=300,184 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png?resize=768,472 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png?resize=1024,629 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png?resize=1536,944 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/08\/Greenhouse-Gas-1.png?resize=2048,1259 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\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/conseils-daffaires-appropries\/secteur-commercial\/\">\n\t\t\t\t\t\tSecteur commercial\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/conseils-daffaires-appropries\/secteur-commercial\/le-nouveau-reglement-de-vancouver-concernant-les-gaz-a-effet-de-serre-5-mesures-a-prendre-par-les-proprietaires-dimmeubles\/\" class=\"card-title h4 mar-t-0\">Le nouveau r\u00e8glement de Vancouver concernant les gaz \u00e0 effet de serre : 5 mesures \u00e0 prendre par les propri\u00e9taires d\u2019immeubles<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\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=\"720\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Team in planning, strategy or goal for business in overtime \/ \u00c9quipe dans la planification, la strat\u00e9gie ou l\u2019objectif pour les affaires en heures suppl\u00e9mentaires.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg 2065w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg?resize=300,211 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg?resize=768,540 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg?resize=1024,720 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg?resize=1536,1079 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/06\/iStock-1705796774-1.jpg?resize=2048,1439 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\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/etapes-de-la-vie-de-lentreprise\/croissance-de-votre-entreprise\/\">\n\t\t\t\t\t\tCroissance de votre entreprise\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/etapes-de-la-vie-de-lentreprise\/croissance-de-votre-entreprise\/penetrer-de-nouveaux-marches-5-elements-a-considerer-par-un-proprietaire-dentreprise\/\" class=\"card-title h4 mar-t-0\">P\u00e9n\u00e9trer de nouveaux march\u00e9s\u00a0: 5\u00a0\u00e9l\u00e9ments \u00e0 consid\u00e9rer par un propri\u00e9taire d\u2019entreprise<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-3526d203-c072-4375-ad59-ed93d6a83349 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-3526d203-c072-4375-ad59-ed93d6a83349 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Connaissant l\u2019impact des taux d\u2019int\u00e9r\u00eat sur votre entreprise et les possibilit\u00e9s qui s\u2019offrent \u00e0 elle, vous pourrez man\u0153uvrer plus en souplesse.<\/p>\n","protected":false},"author":10,"featured_media":22701,"parent":6571,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[187,356],"rbc_content_type":[121],"rbc_audience":[316],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[33,51,107],"class_list":["post-22700","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-entrepreneur","tag-perspectives-secteur-commercial","rbc_content_type-article","rbc_audience-proprietaires-dentreprise","rbc_lob_group-entreprises","rbc_difficulty_level-beginner","rbc_mmm_category-entreprises","rbc_mmm_category-gestion-de-lentreprise","rbc_mmm_category-planification-dentreprise"],"acf":{"contently_publication_id":"352139","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":"<!-- 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