{"id":1298,"date":"2026-09-12T08:24:04","date_gmt":"2026-09-12T08:24:04","guid":{"rendered":"https:\/\/bred.mg\/?page_id=1298"},"modified":"2026-09-27T06:44:25","modified_gmt":"2026-09-27T06:44:25","slug":"organisation-avance-sur-marche","status":"publish","type":"page","link":"https:\/\/bred.mg\/mg\/organisation-avance-sur-marche\/","title":{"rendered":"L&rsquo;ASM &#8211; Avance sur March\u00e9"},"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;Avance Sur March\u00e9 <\/em><br>BRED Madagasikara Banque Populaire<\/h1><p class=\"wp-block-bred-hero-image__body\">Concentrez-vous sur la r\u00e9alisation de vos march\u00e9s, sans attendre les paiements. L&rsquo; <em>Avance Sur March\u00e9<\/em> vous apporte les liquidit\u00e9s n\u00e9cessaires pour financer votre activit\u00e9 jusqu&rsquo;\u00e0 l&rsquo;encaissement des sommes dues.<br><\/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\/Nouveau-projet-3.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 has-cta\"><header class=\"wp-block-bred-section-info__header\"><h2 class=\"wp-block-bred-section-info__title\">Qu\u2019est-ce qu&rsquo;une <em>Avance Sur March\u00e9\u00a0<\/em>?<\/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 accord\u00e9<\/h3><p class=\"wp-block-bred-section-info__item-description\">Sur la base d&rsquo;un march\u00e9 sign\u00e9 (public ou priv\u00e9).<\/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-receipt\" aria-hidden=\"true\"><\/i><\/span><div class=\"wp-block-bred-section-info__content\"><h3 class=\"wp-block-bred-section-info__item-title\">Tirage<\/h3><p class=\"wp-block-bred-section-info__item-description\">Par billet \u00e0 ordre accompagn\u00e9 du contrat justificatif.<\/p><\/div><\/article><\/div><div class=\"wp-block-bred-section-info__cta-row\"><a class=\"wp-block-bred-section-info__cta\" href=\"https:\/\/bred.mg\/mg\/contact-entreprises\/\"><span class=\"wp-block-bred-section-info__cta-label\">Parler \u00e0 un conseiller<\/span><\/a><\/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\">Est-ce que l\u2019avance est remboursable ?<\/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>Oui. L&rsquo;<em>Avance Sur March\u00e9<\/em> est un financement qui est rembours\u00e9 selon les modalit\u00e9s pr\u00e9vues dans votre contrat, g\u00e9n\u00e9ralement lors de l&rsquo;encaissement des sommes dues au titre du march\u00e9.<\/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\">Quelle est la diff\u00e9rence entre \u00ab\u00a0avance\u00a0\u00bb et \u00ab\u00a0acompte\u00a0\u00bb dans un march\u00e9 public ?<\/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&rsquo;avance est une somme vers\u00e9e avant le d\u00e9but ou en d\u00e9but d&rsquo;ex\u00e9cution du march\u00e9. L&rsquo;acompte, lui, correspond au paiement de prestations d\u00e9j\u00e0 r\u00e9alis\u00e9es au fur et \u00e0 mesure de l&rsquo;avancement des travaux ou des services.<\/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>Avance Sur March\u00e9<\/em> ?<\/h2><p class=\"wp-block-bred-push__body\">Pour toute question sur les sujets de financement, les responsables de client\u00e8le ou les conseillers d\u00e9di\u00e9s vous r\u00e9pondent en agence ou dans les Centres d\u2019Affaires, par mail ou par t\u00e9l\u00e9phone du lundi au vendredi de 7h30 \u00e0 16h30.<\/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>","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":"32,36,35,39,34,38","_relevanssi_noindex_reason":"","bred_audience":"organisations","footnotes":""},"bred_page_cat":[46],"class_list":["post-1298","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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