{"id":1286,"date":"2026-09-12T07:59:11","date_gmt":"2026-09-12T07:59:11","guid":{"rendered":"https:\/\/bred.mg\/?page_id=1286"},"modified":"2026-09-27T06:49:31","modified_gmt":"2026-09-27T06:49:31","slug":"organisation-escompte-de-papier-commercial","status":"publish","type":"page","link":"https:\/\/bred.mg\/mg\/organisation-escompte-de-papier-commercial\/","title":{"rendered":"L&rsquo;escompte de papier commercial"},"content":{"rendered":"<div class=\"wp-block-bred-hero-image is-bg-primary-dark has-photo\"><div class=\"wp-block-bred-hero-image__content\"><h1 class=\"wp-block-bred-hero-image__title\"><em>L&rsquo;<em>Escompte de Papier Commercial<\/em><\/em><br>BRED Madagasikara Banque Populaire<\/h1><p class=\"wp-block-bred-hero-image__body\">Ne laissez pas vos cr\u00e9ances immobiliser votre tr\u00e9sorerie. Avec l&rsquo;<em>Escompte de Papier Commercial  (EPC)<\/em> de<br>BRED Madagasikara Banque Populaire, vos effets de commerce se transforment en liquidit\u00e9s avant leur date d&rsquo;\u00e9ch\u00e9ance.<\/p><div class=\"wp-block-bred-hero-image__ctas\"><\/div><\/div><div class=\"wp-block-bred-hero-image__media\" aria-hidden=\"true\"><img class=\"wp-block-bred-hero-image__photo\" src=\"https:\/\/bred.mg\/wp-content\/uploads\/2026\/09\/01a0c970-a510-74a8-9171-ab996e4a2173_915488f8-6f24-4391-ae3f-3c5a38358f38.png\" alt=\"\" loading=\"eager\" decoding=\"async\" fetchpriority=\"high\"\/><\/div><\/div>\n\n\n\n<section class=\"wp-block-bred-section-info is-layout-horizontal has-cols-4 is-bg-none is-header-top-center has-header\"><header class=\"wp-block-bred-section-info__header\"><h2 class=\"wp-block-bred-section-info__title\">Qu\u2019est-ce qu\u2019un <br><em>Escompte de Papier Commercial<\/em>\u00a0?<\/h2><\/header><div class=\"wp-block-bred-section-info__grid\"><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-receipt\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\">Financement anticip\u00e9 de cr\u00e9ances clients<\/h3><p class=\"wp-block-bred-section-info__item-description\">Mat\u00e9rialis\u00e9es par des effets de commerce.<\/p><\/div><\/article><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-user-circle-check\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\">Validit\u00e9 de la ligne<\/h3><p class=\"wp-block-bred-section-info__item-description\">12 mois renouvelables.<\/p><\/div><\/article><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-chart-line-up\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\">Plafond\u00a0et taux<\/h3><p class=\"wp-block-bred-section-info__item-description\">Offre personnalis\u00e9e \u2013 nous consulter.<\/p><\/div><\/article><article class=\"wp-block-bred-section-info__item\"><span class=\"wp-block-bred-section-info__icon\" aria-hidden=\"true\"><i class=\"ph ph-clock\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\">\u00c9ch\u00e9ance<\/h3><p class=\"wp-block-bred-section-info__item-description\">90 jours en moyenne.<\/p><\/div><\/article><\/div><\/section>\n\n\n\n<section class=\"wp-block-bred-section-pedagogy is-bg-support-blue has-cols-3 is-badge-filled is-badge-shape-square has-header has-cta\"><header class=\"wp-block-bred-section-pedagogy__header\"><h2 class=\"wp-block-bred-section-pedagogy__title\">Comment souscrire ?<\/h2><\/header><ol class=\"wp-block-bred-section-pedagogy__steps\"><li class=\"wp-block-bred-section-pedagogy__step\"><span class=\"wp-block-bred-section-pedagogy__badge\" aria-hidden=\"true\">1<\/span><h3 class=\"wp-block-bred-section-pedagogy__step-title\">Prenez rendez-vous<\/h3><p class=\"wp-block-bred-section-pedagogy__step-description\">Pr\u00e9sentez votre projet et d\u00e9finissez votre besoin de financement.<\/p><\/li><li class=\"wp-block-bred-section-pedagogy__step\"><span class=\"wp-block-bred-section-pedagogy__badge\" aria-hidden=\"true\">2<\/span><h3 class=\"wp-block-bred-section-pedagogy__step-title\">Constituez votre dossier<\/h3><p class=\"wp-block-bred-section-pedagogy__step-description\">Transmettez les documents n\u00e9cessaires \u00e0 l&rsquo;\u00e9tude de votre demande.<\/p><\/li><li class=\"wp-block-bred-section-pedagogy__step\"><span class=\"wp-block-bred-section-pedagogy__badge\" aria-hidden=\"true\">3<\/span><h3 class=\"wp-block-bred-section-pedagogy__step-title\">Finalisez votre demande<\/h3><p class=\"wp-block-bred-section-pedagogy__step-description\">Validez les derni\u00e8res \u00e9tapes avec votre responsable de client\u00e8le.<\/p><\/li><\/ol><div class=\"wp-block-bred-section-pedagogy__cta-row\"><a class=\"wp-block-bred-section-pedagogy__cta\" href=\"https:\/\/bred.mg\/mg\/prise-de-contact\/\"><span class=\"wp-block-bred-section-pedagogy__cta-label\">Prendre rendez-vous<\/span><\/a><\/div><\/section>\n\n\n\n<section class=\"wp-block-bred-section-accordion is-bg-none is-header-top-center has-header is-single\" data-allow-multiple=\"false\"><header class=\"wp-block-bred-section-accordion__header\"><h2 class=\"wp-block-bred-section-accordion__title\"><em>Vos questions<\/em> fr\u00e9quentes<\/h2><\/header><div class=\"wp-block-bred-section-accordion__list\">\n<details class=\"wp-block-bred-accordion-item\" open><summary class=\"wp-block-bred-accordion-item__row\"><span class=\"wp-block-bred-accordion-item__question\">Un escompte est-il illimit\u00e9&nbsp;?<\/span><span class=\"wp-block-bred-accordion-item__icon\" aria-hidden=\"true\"><i class=\"ph ph-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/summary><div class=\"wp-block-bred-accordion-item__panel\"><div class=\"wp-block-bred-accordion-item__answer\"><p>Non. Le montant de l&rsquo;escompte d\u00e9pend des conditions d\u00e9finies avec votre banque et de l&rsquo;\u00e9tude de votre dossier.<\/p><\/div><\/div><\/details>\n\n\n\n<details class=\"wp-block-bred-accordion-item\"><summary class=\"wp-block-bred-accordion-item__row\"><span class=\"wp-block-bred-accordion-item__question\">Puis-je faire de l\u2019escompte avec tous mes clients ?<\/span><span class=\"wp-block-bred-accordion-item__icon\" aria-hidden=\"true\"><i class=\"ph ph-caret-down\" aria-hidden=\"true\"><\/i><\/span><\/summary><div class=\"wp-block-bred-accordion-item__panel\"><div class=\"wp-block-bred-accordion-item__answer\"><p>L\u2019escompte est possible pour les effets de commerce qui r\u00e9pondent aux crit\u00e8res d\u2019\u00e9ligibilit\u00e9 de la banque et seules&nbsp;les \u201cpersonnes morales\u201d&nbsp;sont \u00e9ligibles.&nbsp;&nbsp;<\/p><\/div><\/div><\/details>\n<\/div><\/section>\n\n\n\n<div class=\"wp-block-bred-push alignwide is-bg-primary-dark is-layout-centered has-cta\"><div class=\"wp-block-bred-push__content\"><h2 class=\"wp-block-bred-push__title\">Une question sur l&rsquo;<em>Escompte de Papier Commercial <\/em>?<\/h2><p class=\"wp-block-bred-push__body\">Pour toute question sur les sujets de financement, les conseillers d\u00e9di\u00e9s vous r\u00e9pondent en agence ou dans les Centres d\u2019Affaires, par mail ou par t\u00e9l\u00e9phone.<\/p><\/div><div class=\"wp-block-bred-push__ctas\"><a class=\"wp-block-bred-push__cta is-primary\" href=\"https:\/\/bred.mg\/mg\/contact-entreprises\/\"><span class=\"wp-block-bred-push__cta-label\">Parler \u00e0 un conseiller<\/span><\/a><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":15,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","bred_audience":"particuliers","footnotes":""},"bred_page_cat":[46],"class_list":["post-1286","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - 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