Question 3258 — businesses

Summary

Mr. Guillaume Vuilletet draws the attention of the Minister of the Economy and Finance to the concerns of entrepreneurs inherent to the difficulties of financing short-term treasuries. Indeed, since the 2008 crisis, many entrepreneurs have been confronted with a banking system that is reluctant to accept requests for short-term loan financing to cover cash flow needs or bank overdrafts. This reality is particularly damaging at a time when the economic recovery, particularly in Île-de-France, is paving the way for various medium-term projects (Grand Paris and 2024 Olympic Games) and today, 35% of business leaders use bank overdrafts. In his constituency, a company in strong economic development in the Cergy area, with a turnover of 12 million euros, was refused a loan of 50 thousand euros. to finance its working capital requirements. VSE/SME managers are therefore concerned about their ability to financially absorb the gap between expenses and revenues, and therefore between the production period and the customer payment deadline. Indeed, a construction company, before being able to collect a turnover on the realized, will have to invest in its stocks and its human resources, sometimes with a cash flow negative. It will therefore not be able to absorb the influx of additional activity. 27% of companies therefore extend the supplier payment deadline, fueling the spiral of bankruptcies (1/4 of the causes), and many VSEs-SMEs are paralyzed by the idea of ​​relaunching their customers (commercial risk management). It is clear that today, there is no banking solution (loan/guarantee) to respond to requests for financing funds. turnover, and which would cover the entire bank overdraft of companies. Factoring or “Dailly”, which makes it possible to anticipate customer payments, are not sufficient; businesses need a solution that allows them to self-finance before invoicing. He asks him if the ministry intends to encourage the financial sector to create financial arrangements such as a guarantee or a short-term loan (via the BPI for example) to enable businesses to cope with the resumption of activity and support economic recovery, thus avoiding increasing the difficulties of VSEs/SMEs.

Machine translation from French. The official text remains authoritative.

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