{"id":8760,"date":"2020-12-03T09:00:04","date_gmt":"2020-12-03T08:00:04","guid":{"rendered":"https:\/\/www.sage.com\/fr-fr\/blog\/?p=8760"},"modified":"2026-02-05T14:30:00","modified_gmt":"2026-02-05T13:30:00","slug":"reduire-les-delais-de-paiement-culture-du-cash-guide","status":"publish","type":"post","link":"https:\/\/www.sage.com\/fr-fr\/blog\/reduire-les-delais-de-paiement-culture-du-cash-guide\/","title":{"rendered":"Pour r\u00e9duire les d\u00e9lais de paiement, adoptez la culture du cash [guide]"},"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\/guides-et-modeles-gratuits\/\" class=\"entry-header__link\">Guides et mod\u00e8les gratuits<\/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\tPour r\u00e9duire les d\u00e9lais de paiement, adoptez la culture du cash [guide]\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<div class=\"single-post-details container\">\n\t\t<div class=\"col\">\n\t\t\t<span class=\"posted-on \"><time class=\"entry-date published\" datetime=\"2020-12-03T09:00:04+01:00\">d\u00e9cembre 3, 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=\"Pour r\u00e9duire les d\u00e9lais de paiement, adoptez la culture du cash [guide]\"\n\t\t\tdata-share-url=\"https:\/\/www.sage.com\/fr-fr\/blog\/reduire-les-delais-de-paiement-culture-du-cash-guide\/\"\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<\/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\/christopheadam\/\">\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\/2024\/07\/Christophe-Adam-350x350.jpg\" class=\"entry-author__image\" alt=\"Christophe Adam\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Christophe-Adam-350x350.jpg 350w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Christophe-Adam-768x768.jpg 768w, https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2024\/07\/Christophe-Adam.jpg 800w\" sizes=\"auto, (max-width: 40px) 100vw, 40px\" \/>\t\t\t\t<span class=\"entry-author__name\">Christophe Adam<\/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><strong>Une entreprise sur deux est touch\u00e9e par une probl\u00e9matique de retards de paiement<\/strong><sup>2<\/sup>. Quant une entreprise sur trois doit supporter des d\u00e9lais de paiement sup\u00e9rieurs \u00e0 60 jours<sup>3<\/sup>. Et la crise aggrave bien \u00e9videmment le probl\u00e8me des d\u00e9lais de paiement inter-entreprises.<\/p>\n\n\n\n<p><strong>En un an, le retard moyen de paiement est pass\u00e9 de 10 \u00e0 13 jours.<\/strong><sup>1<\/sup><\/p>\n\n\n\n<p>Or, la cons\u00e9quence de l\u2019allongement des d\u00e9lais de paiement est tr\u00e8s claire pour les entreprises&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une ponction sur la tr\u00e9sorerie<\/strong>, c\u2019est-\u00e0-dire du cash d\u00e9tourn\u00e9 de sa fonction de cr\u00e9ation de valeur pour l\u2019entreprise et ses actionnaires<\/li>\n\n\n\n<li><strong>L\u2019\u00e9l\u00e9vation du risque d\u2019incident de paiement<\/strong>, qui augmente \u00e0 proportion de l\u2019augmentation du d\u00e9lai<\/li>\n\n\n\n<li><strong>La d\u00e9valuation de la relation client\/fournisseur<\/strong>, dont les termes se trouvent d\u00e9s\u00e9quilibr\u00e9s<\/li>\n<\/ul>\n\n\n\n<p>Ainsi, adopter la culture du cash est crucial pour les entreprises. C\u2019est tout \u00e0 la fois l\u2019assurance de mieux anticiper les risques de d\u00e9faillance de ses clients, de faire baisser le taux d\u2019impay\u00e9s et d\u2019acc\u00e9l\u00e9rer la disponibilit\u00e9 de ses ressources financi\u00e8res.<\/p>\n\n\n\n<p><strong>Les moyens classiques pour optimiser le recouvrement des factures trouvent chacun leurs limites<\/strong> quand l\u2019activit\u00e9 se d\u00e9veloppe et\/ou que le risque s\u2019accro\u00eet :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Excel et m\u00eame les solutions avanc\u00e9es de comptabilit\u00e9 ne traitent pas totalement le sujet.<\/li>\n\n\n\n<li>L\u2019affacturage co\u00fbte cher.<\/li>\n\n\n\n<li>S\u2019en remettre exclusivement \u00e0 la bonne volont\u00e9 de la force de vente est al\u00e9atoire et potentiellement g\u00e9n\u00e9rateur de tensions avec les clients.<\/li>\n<\/ul>\n\n\n\n<p>Le d\u00e9veloppement du <strong>t\u00e9l\u00e9travail<\/strong> et la dispersion des \u00e9quipes viennent bien entendu compliquer encore le travail de recouvrement.<br>\nC\u2019est pourquoi <strong>l\u2019approche digitale du recouvrement est aujourd\u2019hui la seule r\u00e9ponse \u00e0 la hauteur des enjeux<\/strong>.<\/p>\n\n\n\n<p>Elle repose sur trois leviers :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le recours \u00e0 une <a href=\"https:\/\/www.sage.com\/fr-fr\/produits\/sage-frp-1000\/\">solution avanc\u00e9e<\/a> d\u2019optimisation du poste client<\/li>\n\n\n\n<li>La sc\u00e9narisation des actions de recouvrement en fonction des contextes et des profils de clients<\/li>\n\n\n\n<li>L\u2019engagement coordonn\u00e9 de tous les acteurs concern\u00e9s au sein de l\u2019entreprise<\/li>\n<\/ul>\n\n\n\n<p><strong>Les b\u00e9n\u00e9fices d\u2019une <a href=\"https:\/\/www.sage.com\/fr-fr\/entreprise\/moyennes-et-grandes-entreprises-pme-eti\/solutions-complementaires\/sage-eloficash\/\">solution digitalis\u00e9e de recouvrement<\/a> :<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Fait gagner du temps et de l\u2019\u00e9nergie<\/li>\n\n\n\n<li>R\u00e9partit rationnellement le travail au sein de l\u2019\u00e9quipe<\/li>\n\n\n\n<li>Permet une relance syst\u00e9matique des clients, sans avoir \u00e0 arbitrer entre des priorit\u00e9s<\/li>\n\n\n\n<li>Organise le recouvrement de mani\u00e8re \u00e0 pr\u00e9server la relation client, selon une proc\u00e9dure stricte et qualitative<\/li>\n<\/ol>\n\n\n\n<p>Pour agir sur les d\u00e9lais de paiement, t\u00e9l\u00e9chargez gratuitement le guide ci-dessous !<\/p>\n\n\n\n<div class=\"single-cta gated-content\">\n\t<div class=\"single-cta__positioner\">\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\">Pour r\u00e9duire les d\u00e9lais de paiement, adoptez la culture du cash<\/h2>\n\n\t\t\t\t\t\t\t\t\t<div class=\"single-cta__description\">\n\t\t\t\t\t\t<p>DAF, optimisez votre poste clients !<\/p>\n\t\t\t\t\t<\/div>\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-fd36d7da-474f-477f-9cc7-9fe1a17aef94\"\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>T\u00e9l\u00e9chargez gratuitement le livre blanc<\/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=\"1252\" height=\"810\" src=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2020\/12\/reduire-les-delais-de-paiement-culture-cash-guide_CTA-1252x810.jpg\" class=\"single-cta__image\" alt=\"reduire-les-delais-de-paiement-culture-cash-guide_CTA\" loading=\"lazy\" srcset=\"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2020\/12\/reduire-les-delais-de-paiement-culture-cash-guide_CTA-1252x810.jpg 1252w\" sizes=\"auto, (min-width: 48em) 33vw, 100vw\" \/>\t\t\t<\/div>\n<\/div>\n\n\n\n<p><sup>1<\/sup> <em>\u00c9tude IFOP pour le cabinet ARC \u2013 octobre 2020<\/em><br>\n<sup>2<\/sup> <em>Xerfi \u2013 2020<\/em><br>\n<sup>3<\/sup> <em>Bulletin de janvier-f\u00e9vrier 2019 de la Banque de France<\/em><\/p>\n\n\n<div class=\"single-cta\">\n\t<div class=\"single-cta__positioner\">\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","protected":false},"excerpt":{"rendered":"<p>Une entreprise sur deux est touch\u00e9e par une probl\u00e9matique de retards de paiement2. Quant une entreprise sur trois doit supporter des d\u00e9lais de paiement sup\u00e9rieurs \u00e0 60 jours3. Et la crise aggrave bien \u00e9videmment le probl\u00e8me des d\u00e9lais de paiement inter-entreprises. En un an, le retard moyen de paiement est pass\u00e9 de 10 \u00e0 13 [&hellip;]<\/p>\n","protected":false},"author":710,"featured_media":8761,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sage_video":false,"post_featured_image_hide":false,"footnotes":""},"categories":[834],"tags":[70,41],"business_type":[9],"lilypad":[],"context":[],"industry":[],"persona":[35,34],"imagine_tag":[439,728,450,470,857,859,458],"coauthors":[906],"class_list":["post-8760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guides-et-modeles-gratuits","tag-comptabilite","tag-tresorerie","business_type-petites-et-moyennes-entreprises"],"sage_meta":{"region":"fr-fr","author_name":"Christophe Adam","featured_image":"https:\/\/www.sage.com\/fr-fr\/blog\/wp-content\/uploads\/sites\/4\/2020\/12\/reduire-les-delais-de-paiement-culture-cash.jpg","imagine_tags":{"439":"Cloud","728":"DAF - DSI","450":"ERP","470":"Finance","857":"Fiscalit\u00e9 &amp; Tr\u00e9sorerie","859":"Hub-cloud_Responsable Finance","458":"Tr\u00e9sorerie"}},"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\/8760","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\/710"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/comments?post=8760"}],"version-history":[{"count":0,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/posts\/8760\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media\/8761"}],"wp:attachment":[{"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/media?parent=8760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/categories?post=8760"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/tags?post=8760"},{"taxonomy":"business_type","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/business_type?post=8760"},{"taxonomy":"lilypad","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/lilypad?post=8760"},{"taxonomy":"context","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/context?post=8760"},{"taxonomy":"industry","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/industry?post=8760"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/persona?post=8760"},{"taxonomy":"imagine_tag","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/imagine_tag?post=8760"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.sage.com\/fr-fr\/blog\/api\/wp\/v2\/coauthors?post=8760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}