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Adéquation homme/projet
Il s'agit d'expliquer pourquoi vous êtes celui ou celle qui va permettre de transformer ce projet en une réalisation concrète, motivations, expériences, compétences, environnement personnel et familial, opportunités
Etude de marché
Cette partie est une des plus importantes du dossier
Elle doit décrire la stratégie commerciale que vous allez adopter, moyens à mettre en oeuvre
C'est la partie qui va montrer votre sens pratique et vos talents de chef d'entreprise: il ne s'agit pas encore d'imaginer les moyens financiers à mettre en oeuvre cf
Chapitre «Le financement» mais de recenser tous les moyens qui permettront de produire les biens ou les services que vous souhaitez vendre
De plus en plus d'installations sont faites en sociétés afin de séparer le patrimoine personnel des dirigeants de celui de leur société, quels comportements financiers doit avoir le nouveau chef d'entreprise
A ce stade, vous devez pouvoir défendre votre projet de création ou de reprise devant le banquier
Mais avant, lisez encore ce qui suit ; vous connaîtrez mieux encore le métier de votre futur banquier, la première question qu'il vous posera sera probablement: « à quel stade en est votre projet »
Rêve, réflexion, début de concrétisation, contact avec un réseau d'accompagnement, finalisation du dossier, recherche des financements, recherche d'un banquier
Quels choix doit-on faire lors de la création de son entreprise; la recherche d'une banque
Avec ses 2 000 agences, sa notoriété, ses partenariats avec les institutionnels de la création d'entreprise et son action quotidienne en faveur des jeunes entreprises, la Société Générale répond à ces critères
Le niveau des fonds propres
Ils doivent permettre d'obtenir un financement bancaire, si vous souhaitez exploiter votre activité sous forme de société, il vous faudra verser un capital, preuve de votre implication
Un apport en comptes courants d'associés bloqués pourra également être souhaitable
Contrairement au capital, vous avez toujours la possibilité de retirer votre compte courant d'associé, si la trésorerie le permet: la plupart des banques et des réseaux d'accompagnement considèrent que les fonds propres doivent représenter environ 1/3, en moyenne, du total du plan de financement, BFR compris BFR = besoin en fond de roulement
Le stock, les charges d'exploitation telles que les salaires et charges salariales, l'électricité, le chauffage, l'EDF, le téléphone, l'internet, les contrats de maintenance de la bureautique, etc
Le stock, les charges d'exploitation telles que les salaires et charges salariales, l'électricité, le chauffage, l'EDF, le téléphone, l'internet, les contrats de maintenance de la bureautique, etc
Doit-on les acheter; sauf rachat d'une entreprise qui possède des locaux professionnels, l'achat de murs n'est pas à recommander dans le cas d'une création d'entreprise
De plus, la surface achetée pourra s'avérer insuffisante si votre affaire se développe trop rapidement, le sur-investissement
Pourquoi acheter plusieurs véhicules ou plusieurs machines alors que votre plan de charges ne le justifie pas avant un an ou deux, attention, vous allez augmenter vos charges sans contrepartie de chiffre d'affaires et du même coup grever la trésorerie de votre entreprise: le dossier du créateur
Il s'agit de vous présenter
Votre état-civil mais aussi votre curriculum vitae, vos revenus ainsi qu'un état de vos dettes et de votre patrimoine
Il s'agit de présenter votre projet dans le détail; si le projet s'y prête, vous pouvez joindre également quelques photographies qui agrémenteront votre dossier
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Industry Canada assumes no responsibility for the authors
DEPARTMENT
OF STATE, 2003
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