{"id":8092,"date":"2020-03-10T17:16:23","date_gmt":"2020-03-10T16:16:23","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=8092"},"modified":"2026-02-05T14:38:43","modified_gmt":"2026-02-05T13:38:43","slug":"comment-financer-vos-investissements-lies-a-la-digitalisation","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/comment-financer-vos-investissements-lies-a-la-digitalisation\/","title":{"rendered":"Comment financer les investissements digitaux de votre TPE ?"},"content":{"rendered":"<header class=\"entry-header has-dark-background-color entry-header--has-illustration entry-header--has-illustration--generic\">\n\t<div class=\"container\">\n\t\t<div class=\"entry-header__row row align-center\">\n\t\t\t<div class=\"col col-lg-7 col-xlg-6 entry-header__content\">\n\t\t\t\t\t\t\t<div class=\"component component-single-header\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"entry-header__misc text--subtitle text--uppercase text--small\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/categorie\/digitalisation-et-tendances\/\" class=\"entry-header__link\">Digitalisation &amp; Tendances<\/a>\t\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<div class=\"entry-title-wrapper\">\n\t\t\t\t\t<h1 class=\"entry-title\">\n\t\t\t\t\t\tComment financer les investissements digitaux de votre TPE ?\t\t\t\t\t<\/h1>\n\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<p class=\"entry-header__description\">\n\t\t\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\t\t<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \">Publi\u00e9 le <time class=\"entry-date published\" datetime=\"2020-03-10T17:16:23+01:00\">10 mars 2020<\/time><\/span><span class=\"reading-time\"> min de lecture<\/span>\n\t\t<button\n\t\t\ttype=\"button\"\n\t\t\tclass=\"social-share-button button button--icon button--secondary js-social-share-button\"\n\t\t\tdata-share-title=\"Comment financer les investissements digitaux de votre TPE ?\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/comment-financer-vos-investissements-lies-a-la-digitalisation\/\"\n\t\t\tdata-share-text=\"Veuillez lire cet article int\u00e9ressant\"\n\t\t>\n\t\t\t<span class=\"social-share-button__share-label\">Partager<\/span>\n\t\t\t<span class=\"social-share-button__copy-label\" hidden>Copier le lien<\/span>\n\t\t\t<span class=\"social-share-button__copy-tooltip\" aria-hidden=\"true\" hidden>Copi\u00e9<\/span>\n\t\t<\/button>\n\n\t\t\t\t<\/div>\n\t<\/div>\n\t<\/header>\n\n\n\n<div class=\"wp-block-post-author has-dark-background-color alignfull\">\n\t<div class=\"container\">\n\t\t<div class=\"col\">\n\t\t\t\t\t\t\t<div class=\"co-authors\">\n\t\t\t\t\t\n\t\t<div class=\"entry-author-wrapper\">\n\t\t\t<a class=\"entry-author\" href=\"https:\/\/www.sage.com\/fr-fr\/blog\/author\/sabineducrot\/\">\n\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"40\" height=\"40\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/04\/Sabine-Ducrot-Ciss-350x350.png\" class=\"entry-author__image\" alt=\"\" \/>\t\t\t\t<span class=\"entry-author__name\">Sabine Ducrot-Ciss<\/span>\n\t\t\t<\/a>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez identifi\u00e9 depuis quelque temps les leviers technologiques qui permettraient \u00e0 vos activit\u00e9s professionnelles de cro\u00eetre. Seulement, vos finances ne vous permettent pas un tel investissement. Autre cas : vous avez le sentiment qu\u2019une modernisation de vos outils de travail est effectivement n\u00e9cessaire, mais n\u2019en savez pas plus\u2026 Sachez que diff\u00e9rentes aides sont propos\u00e9es par le gouvernement, les r\u00e9gions ou l\u2019Europe pour accompagner les petites entreprises dans leurs projets digitaux. Quels sont-ils ? Vers quel interlocuteur se tourner ? Quelles sont les conditions d&rsquo;obtention ?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-trouver-des-financements-au-niveau-local\">Trouver des financements au niveau local<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gions proposent les aides les plus accessibles aux TPE, sous forme de subvention souvent pr\u00e9sent\u00e9e sous l\u2019appellation \u00ab <strong><em>Ch\u00e8que num\u00e9rique<\/em><\/strong> \u00bb. Accord\u00e9e pour des projets d\u2019une dur\u00e9e maximale de 2 ans, cette subvention correspond en g\u00e9n\u00e9ral \u00e0 50 % du montant hors taxes de l\u2019investissement r\u00e9alis\u00e9. L\u2019aide apport\u00e9e via les ch\u00e8ques num\u00e9riques varie selon votre r\u00e9gion, votre taille et votre secteur d\u2019activit\u00e9.<br>\nConcr\u00e8tement, un ch\u00e8que num\u00e9rique permet de financer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>un <strong>diagnostic num\u00e9rique<\/strong> pour votre entreprise ;<\/li>\n\n\n\n<li>l\u2019accompagnement d\u2019un consultant pour construire votre strat\u00e9gie num\u00e9rique ;<\/li>\n\n\n\n<li>un prestataire pour cr\u00e9er un nouveau site web ;<\/li>\n\n\n\n<li>le r\u00e9f\u00e9rencement de vos produits ;<\/li>\n\n\n\n<li>le d\u00e9veloppement de la pr\u00e9sence de votre entreprise sur les r\u00e9seaux sociaux ;<\/li>\n\n\n\n<li>le lancement dans le commerce en ligne ;<\/li>\n\n\n\n<li>l\u2019achat et l\u2019int\u00e9gration de nouveaux \u00e9quipements num\u00e9riques de pointe.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Voici quelques exemples qui pourraient vous concerner :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>L\u2019aide \u00ab Ambition PME \u00bb en Auvergne-Rh\u00f4ne-Alpes ;<\/li>\n\n\n\n<li>Le \u00ab ch\u00e8que num\u00e9rique \u00bb en Pays de la Loire et Ile-de-France ;<\/li>\n\n\n\n<li>Le Pass-Occitanie ;<\/li>\n\n\n\n<li>Le \u00ab <a href=\"https:\/\/les-aides.nouvelle-aquitaine.fr\/economie-et-emploi\/cheque-transformation-numerique\" target=\"_blank\" rel=\"noopener noreferrer\">Ch\u00e8que de transformation num\u00e9rique<\/a> \u00bb en Nouvelle Aquitaine ;<\/li>\n\n\n\n<li>L\u2019<a href=\"https:\/\/www.paysdelaloire.fr\/index.php?id=230&amp;no_cache=1&amp;tx_ttnews%5Btt_news%5D=42358&amp;cHash=e03b3c149b542b960b1fc7b01e92d392\" target=\"_blank\" rel=\"noopener noreferrer\">aide \u00ab Pays de la Loire Investissement num\u00e9rique \u00bb<\/a> ;<\/li>\n\n\n\n<li>L\u2019aide \u00ab TP\u2019UP \u00bb en Ile-de-France ;<\/li>\n\n\n\n<li>Le ch\u00e8que Num\u00e9rique Bretagne.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-trouver-des-financements-au-niveau-national\">Trouver des financements au niveau national<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00e9n\u00e9ficier d\u2019aides locales ne vous oblige pas \u00e0 vous en contenter&#8230; Vous pouvez aussi solliciter d\u2019autres interlocuteurs, \u00e0 un \u00e9chelon sup\u00e9rieur : voici les aides propos\u00e9es par le gouvernement et les institutions nationales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tout d\u2019abord, vous pouvez commencer par tester votre <strong>maturit\u00e9 num\u00e9rique<\/strong> : Le Medef propose ainsi un site web <a href=\"http:\/\/www.diag-numerique.fr\" target=\"_blank\" rel=\"noopener noreferrer\">www.diag-numerique.fr<\/a> qui permet aux entreprises de tester leur maturit\u00e9 digitale en 10 minutes. En fonction des r\u00e9sultats, l\u2019entreprise b\u00e9n\u00e9ficie de conseils personnalis\u00e9s pour s\u2019am\u00e9liorer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Puis connectez-vous \u00e0 la plateforme d\u00e9di\u00e9e aux aides. Depuis 2018, la Direction G\u00e9n\u00e9rale des Entreprises a lanc\u00e9 <a href=\"http:\/\/www.francenum.gouv.fr\" target=\"_blank\" rel=\"noopener noreferrer\">francenum.gouv.fr<\/a>, une plateforme internet destin\u00e9e \u00e0 aider et accompagner les TPE- PME \u00e0 int\u00e9grer des outils du <strong>num\u00e9rique<\/strong> dans leurs m\u00e9thodes de travail. Vous y trouverez :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les aides existantes \u00e0 la num\u00e9risation des TPE-PME ;<\/li>\n\n\n\n<li>des t\u00e9moignages de TPE-PME ayant r\u00e9ussi leur transformation num\u00e9rique ;<\/li>\n\n\n\n<li>des \u00ab conseils pratiques pour la r\u00e9alisation de projets \u00bb ;<\/li>\n\n\n\n<li>le co\u00fbt estimatif des projets de num\u00e9risation ;<\/li>\n\n\n\n<li>une liste de prestataires sp\u00e9cialis\u00e9s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Le gouvernement a aussi mis en place des leviers fiscaux afin de favoriser <strong>l\u2019innovation<\/strong>. Tout d\u2019abord gr\u00e2ce au <strong>suramortissement<\/strong> des investissements. Les PME industrielles ayant acquis un bien dans la <strong>robotique<\/strong> et la <strong>transformation num\u00e9rique<\/strong> entre janvier 2019 et d\u00e9cembre 2020 peuvent d\u00e9duire de leur r\u00e9sultat imposable une somme \u00e9gale \u00e0 40 % de la valeur du bien, en plus de <strong>l&rsquo;amortissement<\/strong> de droit commun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous faites partie du secteur industriel, notre <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/industrie-suramortissement-loi-finances-2019-investissements-numeriques\/\">article sur le suramortissement<\/a> devrait vous int\u00e9resser !<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u2019autre part, les PME engageant des d\u00e9penses d\u2019innovation sont \u00e9ligibles au <strong>cr\u00e9dit d\u2019imp\u00f4t recherche (CIR)<\/strong> appel\u00e9 aussi cr\u00e9dit d\u2019imp\u00f4t innovation (CII). Il concerne les d\u00e9penses relatives aux op\u00e9rations de conception de prototypes, non encore mis sur le march\u00e9 ou pr\u00e9sentant des caract\u00e9ristiques sup\u00e9rieures. Pour sa partie innovation, le CIR est \u00e9gal \u00e0 20 % des d\u00e9penses \u00e9ligibles retenues dans la limite de 400 000 \u20ac par an. Le CIR vient en diminution de l\u2019<strong>imp\u00f4t<\/strong> d\u00fb par l\u2019entreprise. L\u2019exc\u00e9dent de cr\u00e9dit d\u2019imp\u00f4t peut \u00eatre utilis\u00e9 pour le paiement de l&rsquo;imp\u00f4t d\u00fb au cours des 3 ann\u00e9es suivantes. Mais les PME peuvent obtenir un remboursement imm\u00e9diat du CIR sans attendre les 3 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour en savoir plus sur les cr\u00e9dits d\u2019imp\u00f4t recherche et innovation (CIR et CII), d\u00e9couvrez notre article d\u00e9di\u00e9 : <a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/credit-impot-recherche-innovation-criteres-eligibilite\/\">Comment b\u00e9n\u00e9ficier des Cr\u00e9dit Imp\u00f4t Recherche et Cr\u00e9dit Imp\u00f4t Innovation ?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-trouver-des-financements-au-niveau-europeen\">Trouver des financements au niveau europ\u00e9en<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le fonds europ\u00e9en de d\u00e9veloppement r\u00e9gional (FEDER) peut subventionner des aides sur les th\u00e9matiques suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l&rsquo;innovation et la recherche ;<\/li>\n\n\n\n<li>la strat\u00e9gie num\u00e9rique ;<\/li>\n\n\n\n<li>le soutien aux petites et moyennes entreprises (PME) ;<\/li>\n\n\n\n<li>l&rsquo;\u00e9conomie sobre en carbone.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La subvention attribu\u00e9e varie en fonction de la nature des op\u00e9rations et des r\u00e9gions. Pour y pr\u00e9tendre, vous devez pr\u00e9senter votre projet aupr\u00e8s de votre <strong>Conseil r\u00e9gional<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour en savoir plus, rendez-vous sur <a href=\"https:\/\/www.europe-en-france.gouv.fr\/fr\/trouver-une-aide\" target=\"_blank\" rel=\"noopener noreferrer\">europe-en-france.gouv.fr<\/a><\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner on-scroll-highlight__target\">\n\t\t<div class=\"single-cta__wrapper has-dark-background-color\">\n\t\t\t<div class=\"single-cta__content\">\n\t\t\t\t\t\t\t\t<h2 class=\"single-cta__title h3\">Inscrivez-vous \u00e0 la e-newsletter mensuelle<\/h2>\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a\n\t\t\t\t\t\thref=\"#gate-a947ade1-e692-455f-94ce-a275d72a9a11\"\n\t\t\t\t\t\tclass=\"single-cta__button button button--primary\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>Je m&#039;abonne<\/a>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"779\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg\" class=\"single-cta__image\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2021\/05\/spreadsheets-1024x779-1.jpg 1024w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n<section class=\"more-topics alignfull has-grey-light-background-color wp-block-sage-post-topics\">\n\t<div class=\"container\">\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col col-12 col-lg-4\">\n\t\t\t\t<h3 class=\"more-topics__title h2\">Parcourir plus de sujets depuis cet article<\/h3>\n\t\t\t<\/div>\n\t\t\t<div class=\"col col-12 col-lg-8\">\n\t\t\t\t<ul class=\"post-tags__list\">\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/financement-et-investissement\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tFinancement et Investissement\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li class=\"post-tags__item\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.sage.com\/fr-fr\/blog\/tag\/ia-digitalisation\/\" class=\"post-tags__link button button--secondary\">\n\t\t\t\t\t\t\t\tIA-Digitalisation\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n<div class=\"alignfull wp-block-sage-related-posts\">\n\t<section class=\"related-posts card-grid has-dark-background-color\">\n\t<div class=\"container\">\n\t\t\t\t\t<div class=\"row\">\n\t\t\t\t<div class=\"col\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--featured h1\">Explorez plus d&#039;articles<\/h2>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"row related-posts__featured\">\n\t\t\t\t<div class=\"col card-grid__item\">\n\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-0 post-30150 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-experience-client-et-satisfaction tag-facture-electronique tag-ia-digitalisation tag-logiciel-de-gestion tag-paiement-en-ligne business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises business_type-expertise-comptable industry-btp industry-industrie industry-negoce industry-services card-post--is-clickable\"\n>\n\t<div class=\"card-post__media-wrapper\">\n\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1215\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-1215x810.jpeg\" class=\"card-post__image\" alt=\"Arnaud Petit, DG Sage\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-684x384.jpeg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-768x512.jpeg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2026\/07\/PhotoSAGEADVICE-1215x810.jpeg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\t<\/div>\n\n\t<div class=\"card-post__content\">\n\t\t\t\t\t<div class=\"card-post__label\">Recommand\u00e9<\/div>\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-29T09:30:00+02:00\">29 juillet 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">9 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h3\">\n\t\t\t\t\t\t\t<a\n\t\t\t\t\tclass=\"card-post__title-link\"\n\t\t\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/facture-electronique-paiement-ia-trio-reinvente-gestion-entreprise\/\"\n\t\t\t\t>\n\t\t\t\n\t\t\tFacturation \u00e9lectronique, paiement et IA : comment ce trio va transformer la gestion des entreprises\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/p>\n\n\t\t\n\t\t\t\t\t<p class=\"card-post__description\">\n\t\t\t\tD\u00e9ployer la facturation \u00e9lectronique n\u2019est pas qu\u2019un sujet de conformit\u00e9. Connect\u00e9e aux paiements et \u00e0 l\u2019intelligence artificielle, elle est une porte vers une nouvelle dimension d\u2019automatisation des t\u00e2ches de gestion, de suivi de la tr\u00e9sorerie et d\u2019anticipation des d\u00e9cisions financi\u00e8res. Plusieurs intervenants ont accept\u00e9 l\u2019invitation de Sage, d\u00e9but juin, \u00e0 l\u2019occasion de l\u2019ouverture de ses nouveaux bureaux, pour en discuter.\t\t\t<\/p>\n\t\t\n\t\t\t<\/div>\n\n\t<\/article>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<div class=\"row related-posts__non-featured\">\n\t\t\t\t<div class=\"col col-12\">\n\t\t\t\t\t<h2 class=\"related-posts__heading related-posts__heading--more h4\">En savoir plus sur ce sujet<\/h2>\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-1 post-30065 post type-post status-publish format-standard has-post-thumbnail hentry category-digitalisation-et-tendances tag-daf-directeur-administratif-financier tag-facture-electronique tag-ia-digitalisation business_type-artisans-et-petites-entreprises industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/intelligence-artificielle-et-fonction-finance-comment-le-role-du-daf-evolue\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0453-684x384.jpg\" class=\"card-post__image\" alt=\"Intelligence artificielle et finance : r\u00f4le du DAF | Sage Advice France\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0453-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0453-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/10\/BrandShoot-LND_June2024_Financial-Services_0453-1214x810.jpg 1214w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-21T10:00:00+02:00\">21 juillet 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">6 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tIntelligence artificielle et fonction finance : comment le r\u00f4le du DAF \u00e9volue\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-2 post-30034 post type-post status-publish format-standard has-post-thumbnail hentry category-legal-et-reglementation tag-facture-electronique tag-ia-digitalisation tag-pme-pmi business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/facturation-electronique-socle-ia-maitrisee\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media card-post__media--video\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-684x384.jpg\" class=\"card-post__image\" alt=\"Facturation \u00e9lectronique, socle d\u2019une IA ma\u00eetris\u00e9e\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-965936890-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__play-video\">\n\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" class=\"card-post__play-icon svg-icon\" width=\"28\" height=\"28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 33 36\"><path d=\"M3.947.936C1.889 1.016 0 2.661 0 4.878v27.11c0 2.956 3.36 4.896 5.999 3.463l24.965-13.555c2.715-1.474 2.715-5.451 0-6.925L6 1.416a3.96 3.96 0 0 0-2.052-.48Zm.032 2.6c.232-.001.475.058.713.187L29.66 17.28c.986.535.986 1.774 0 2.309L4.692 33.144c-.952.517-1.999-.088-1.999-1.155V4.878c0-.533.261-.95.642-1.17.19-.11.411-.171.644-.172\" \/><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M5.25 3C3.74 3 2.5 4.24 2.5 5.75v12.5C2.5 19.76 3.74 21 5.25 21h14c1.51 0 2.75-1.24 2.75-2.75V5.75C22 4.24 20.76 3 19.25 3zm0 1.5h14c.699 0 1.25.551 1.25 1.25v12.5a1.24 1.24 0 0 1-1.25 1.25h-14A1.24 1.24 0 0 1 4 18.25V5.75c0-.699.551-1.25 1.25-1.25m.25.75a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8.25 2.751A1.248 1.248 0 0 0 9 9.251v5.5c0 .442.231.849.613 1.074.389.231.846.237 1.239.021l5.001-2.751c.396-.219.646-.639.646-1.094s-.25-.876-.646-1.095l-.001-.001-5.002-2.751a1.25 1.25 0 0 0-.601-.153zM5.5 8.25a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-8 1.423L14.731 12 10.5 14.328zm-5 1.577a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm-13 3a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5H6a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5zm13 0a.5.5 0 0 0-.5.5v.5a.5.5 0 0 0 .5.5h.5a.5.5 0 0 0 .5-.5v-.5a.5.5 0 0 0-.5-.5z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-07-01T10:00:00+02:00\">1 juillet 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">4 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\t\u00a0La facturation \u00e9lectronique, socle d\u2019une IA ma\u00eetris\u00e9e\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-3 post-30016 post type-post status-publish format-standard has-post-thumbnail hentry category-guides-et-modeles-gratuits tag-comptabilite tag-daf-directeur-administratif-financier tag-ia-digitalisation tag-intelligence-artificielle tag-logiciel-de-gestion business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-btp industry-industrie industry-negoce industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/guide-pilotage-financier-avantage-concurrentiel\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-684x384.jpg\" class=\"card-post__image\" alt=\"Livre blanc PILOTAGE FINANCIER NOUVELLE G\u00c9N\u00c9RATION : L\u2019AVANTAGE CONCURRENTIEL 2027\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-768x512.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2023\/09\/GettyImages-1392324314-1215x810.jpg 1215w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M11.988 2.989a.75.75 0 0 0-.739.761v10.689l-1.72-1.72a.75.75 0 0 0-.957-.099.75.75 0 0 0-.315.776c.031.146.104.28.211.384l3 3a.75.75 0 0 0 1.06 0l3-3a.76.76 0 0 0 .231-.533.74.74 0 0 0-.22-.538q-.108-.106-.247-.164c-.139-.058-.191-.057-.291-.056s-.198.022-.29.061-.174.097-.243.169l-1.72 1.72V3.75a.76.76 0 0 0-.22-.541.76.76 0 0 0-.542-.22zM5.75 8.5C4.24 8.5 3 9.74 3 11.25v7C3 19.76 4.24 21 5.75 21h12.5c1.51 0 2.75-1.24 2.75-2.75v-7c0-1.51-1.24-2.75-2.75-2.75h-3a.76.76 0 0 0-.537.216.74.74 0 0 0-.223.535.76.76 0 0 0 .223.535.74.74 0 0 0 .537.216h3c.699 0 1.25.551 1.25 1.25v7a1.24 1.24 0 0 1-1.25 1.25H5.75a1.24 1.24 0 0 1-1.25-1.25v-7c0-.699.551-1.25 1.25-1.25h3a.76.76 0 0 0 .537-.216.74.74 0 0 0 .223-.535.76.76 0 0 0-.223-.535.75.75 0 0 0-.537-.216z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-06-26T18:34:56+02:00\">26 juin 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">2 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tPilotage financier nouvelle g\u00e9n\u00e9ration : l\u2019avantage concurrentiel 2027\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t<div class=\"col col-6 col-lg-3 card-grid__item\">\n\t\t\t\t\t\t<article\n\t\tclass=\"card-post related-post related-post-4 post-29783 post type-post status-publish format-standard has-post-thumbnail hentry category-guides-et-modeles-gratuits tag-facture-electronique tag-ia-digitalisation business_type-artisans-et-petites-entreprises business_type-petites-et-moyennes-entreprises industry-services\"\n>\n\t\t\t<a\n\t\t\tclass=\"card-post__link\"\n\t\t\thref=\"https:\/\/www.sage.com\/fr-fr\/blog\/guide-gestion-financiere-restauration-multisites\/\"\n\t\t\t\t\t>\n\t\t\t<figure class=\"card-post__media\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"684\" height=\"384\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-684x384.jpg\" class=\"card-post__image\" alt=\"gestion financi\u00e8re restauration multisites\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-684x384.jpg 684w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-768x432.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2022\/04\/GettyImages-1297061487-1440x810.jpg 1440w\" sizes=\"auto, (min-width: 48em) 250px, (min-width: 30em) 100vw, 100vw\" \/>\t\t\t\n\t\t\t\n\t\t\t\t\t<\/figure>\n\n\t\t\n\t\t\t\t\t<div class=\"card-post__meta\">\n\t\t\t\t\t\t\t\t\t<svg role=\"presentation\" aria-hidden=\"true\" focusable=\"false\" width=\"24\" height=\"24\" class=\"card-post__meta-icon svg-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\"><path d=\"M11.988 2.989a.75.75 0 0 0-.739.761v10.689l-1.72-1.72a.75.75 0 0 0-.957-.099.75.75 0 0 0-.315.776c.031.146.104.28.211.384l3 3a.75.75 0 0 0 1.06 0l3-3a.76.76 0 0 0 .231-.533.74.74 0 0 0-.22-.538q-.108-.106-.247-.164c-.139-.058-.191-.057-.291-.056s-.198.022-.29.061-.174.097-.243.169l-1.72 1.72V3.75a.76.76 0 0 0-.22-.541.76.76 0 0 0-.542-.22zM5.75 8.5C4.24 8.5 3 9.74 3 11.25v7C3 19.76 4.24 21 5.75 21h12.5c1.51 0 2.75-1.24 2.75-2.75v-7c0-1.51-1.24-2.75-2.75-2.75h-3a.76.76 0 0 0-.537.216.74.74 0 0 0-.223.535.76.76 0 0 0 .223.535.74.74 0 0 0 .537.216h3c.699 0 1.25.551 1.25 1.25v7a1.24 1.24 0 0 1-1.25 1.25H5.75a1.24 1.24 0 0 1-1.25-1.25v-7c0-.699.551-1.25 1.25-1.25h3a.76.76 0 0 0 .537-.216.74.74 0 0 0 .223-.535.76.76 0 0 0-.223-.535.75.75 0 0 0-.537-.216z\" \/><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2026-05-13T20:05:56+02:00\">13 mai 2026<\/time><\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"card-post__meta-text\"><span class=\"reading-time\">3 min de lecture<\/span><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t<p class=\"card-post__title h5\">\n\t\t\tGuide : Gestion financi\u00e8re restaurateurs et traiteurs multisites\t\t<\/p>\n\n\t\t\t<\/a>\n\t\n\t\n\t\t\n\t\n\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vous avez identifi\u00e9 depuis quelque temps les leviers technologiques qui permettraient \u00e0 vos activit\u00e9s professionnelles de cro\u00eetre. Seulement, vos finances ne vous permettent pas un tel investissement. Autre cas : vous avez le sentiment qu\u2019une modernisation de vos outils de travail est effectivement n\u00e9cessaire, mais n\u2019en savez pas plus\u2026 Sachez que diff\u00e9rentes aides sont propos\u00e9es [&hellip;]<\/p>\n","protected":false},"author":902,"featured_media":8093,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"sage_hide_published_date":false,"sage_hide_read_time":false,"sage_hide_share_buttons":false,"_pwl_sage_podcast_buzzsprout_src":"","footnotes":""},"categories":[16],"tags":[835,224],"business_type":[8],"lilypad":[],"context":[],"industry":[],"persona":[34],"imagine_tag":[460],"coauthors":[901],"class_list":["post-8092","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-digitalisation-et-tendances","tag-financement-et-investissement","tag-ia-digitalisation","business_type-artisans-et-petites-entreprises"],"sage_meta":{"region":"fr-fr","author_name":"Sabine Ducrot-Ciss","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2020\/03\/comment-financer-votre-transformation-digitale.jpg","imagine_tags":{"460":"Petites Entreprises"}},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"Sage Advice France","distributor_original_site_url":"https:\/\/www.sage.com\/fr-fr\/blog","push-errors":false,"_links":{"self":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/8092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/users\/902"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=8092"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/8092\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/8093"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=8092"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=8092"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=8092"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=8092"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=8092"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=8092"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=8092"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=8092"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=8092"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=8092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}