{"id":6808,"date":"2022-03-08T10:03:27","date_gmt":"2022-03-08T09:03:27","guid":{"rendered":"https:\/\/www.cashlab.fr\/?p=6808"},"modified":"2024-03-20T16:32:27","modified_gmt":"2024-03-20T15:32:27","slug":"les-besoins-de-financement-en-2022-selon-sophie-susterac","status":"publish","type":"post","link":"https:\/\/www.cashlab.fr\/en\/les-besoins-de-financement-en-2022-selon-sophie-susterac\/","title":{"rendered":"What are the financing needs in 2022 according to Sophie Susterac?"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1400px\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb8px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1400px\u00a0\u00bb custom_padding=\u00a0\u00bb40px|40px|40px|40px|true|true\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_code _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<span><span><a href=\"https:\/\/www.cashlab.fr\/\">Accueil<\/a><\/span><\/span>[\/et_pb_code][et_pb_text _builder_version=\u00a0\u00bb4.17.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bbOpen Sans|600|||||||\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.2em\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||on||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#191735&Prime; header_4_font_size=\u00a0\u00bb16px\u00a0\u00bb background_color=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb text_orientation=\u00a0\u00bbjustified\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><strong>INTERVIEW de Sophie Susterac<\/strong><br \/>Directrice Commerciale R\u00e9gionale, chez <a href=\"https:\/\/www.factofrance.com\/fr\/index.html\" target=\"_blank\" rel=\"noopener\">Factofrance<\/a><\/p>\n<p><a href=\"https:\/\/www.linkedin.com\/in\/sophie-susterac-90a73a13?miniProfileUrn=urn%3Ali%3Afs_miniProfile%3AACoAAALHP5oBdKv0kCgh4LQdELHoSjfVXBDegLM&amp;lipi=urn%3Ali%3Apage%3Ad_flagship3_search_srp_all%3BVvTX%2BN4pRvqeuhS%2Fk5e7HQ%3D%3D\" target=\"_blank\" rel=\"noopener\">Sophie Susterac<\/a> revient sur ces deux derni\u00e8res ann\u00e9es, marqu\u00e9es par la crise et l\u2019endettement des entreprises, et donne des cl\u00e9s de lecture sur les besoins de financement court terme en 2022.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Quid de l&rsquo;utilisation de l&rsquo;affacturage en fin de crise covid ?<br \/><\/strong><\/h3>\n<p>Revenons rapidement sur les 2 derni\u00e8res ann\u00e9es qui viennent de s\u2019\u00e9couler puisque le 1er confinement a d\u00e9marr\u00e9 en France le 17 mars 2020. Deux ann\u00e9es tout particuli\u00e8rement chahut\u00e9es. Pour rappel, notre PIB a chut\u00e9 de 8% en 2020 et rebondi de 7% en 2021.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-6811 size-medium aligncenter\" src=\"https:\/\/www.cashlab.fr\/wp-content\/uploads\/2022\/03\/Image1-ITWSophieSusterac-300x208.webp\" alt=\"\" width=\"300\" height=\"208\" srcset=\"https:\/\/www.cashlab.fr\/wp-content\/uploads\/2022\/03\/Image1-ITWSophieSusterac-300x208.webp 300w, https:\/\/www.cashlab.fr\/wp-content\/uploads\/2022\/03\/Image1-ITWSophieSusterac-18x12.webp 18w, https:\/\/www.cashlab.fr\/wp-content\/uploads\/2022\/03\/Image1-ITWSophieSusterac.webp 399w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Face au contexte de crise sanitaire et \u00e9conomique, le gouvernement a mis en place des solutions pour soutenir l\u2019\u00e9conomie face aux r\u00e9percussions de la pand\u00e9mie. Solutions dont le Pr\u00eat Garanti par l\u2019Etat (PGE), qui ont eu le m\u00e9rite de permettre aux entreprises de traverser la temp\u00eate.<\/p>\n<p>Aujourd\u2019hui en sortie de crise sanitaire, les informations dont nous disposons sont au premier abord de bon augure.<\/p>\n<ul>\n<li>La <strong>reprise \u00e9conomique<\/strong> est bel et bien l\u00e0. L\u2019Insee table sur une croissance de 3% du PIB en 2022.<\/li>\n<li>Les <strong>d\u00e9faillances d\u2019entreprises ont carr\u00e9ment chut\u00e9<\/strong>. On d\u00e9nombrait en moyenne 55 000 proc\u00e9dures collectives par an sur 10 ans jusqu\u2019en 2019 puis 30 000 en 2020 et 28 000 en 2021.<\/li>\n<li>Les <strong>d\u00e9lais moyens de r\u00e8glement<\/strong> s\u2019am\u00e9liorent. Aux premi\u00e8res loges dans ce domaine, nous constatons chez Factofrance une vraie diminution des d\u00e9lais de r\u00e8glement de 2019 \u00e0 2021. Un des effets b\u00e9n\u00e9fiques des PGE sans aucun doute !<\/li>\n<li>L\u2019\u00e9valuation actuelle des tr\u00e9soreries d\u2019entreprises, notamment dans le secteur de l\u2019industrie est plut\u00f4t bonne. Les soldes d\u2019opinions publi\u00e9s \u00e0 la fois par l\u2019AFTE (Association Fran\u00e7aise des Tr\u00e9soriers d\u2019Entreprise) et par l\u2019INSEE indiquent globalement une <strong>am\u00e9lioration des tr\u00e9soreries d\u2019entreprises<\/strong>. Am\u00e9lioration que l&rsquo;on remarque notamment dans l\u2019industrie manufacturi\u00e8re et notamment sur le segment des ETI et Grandes Entreprises.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>N\u00e9anmoins !<\/strong><\/h3>\n<p>Donc \u00ab tout va tr\u00e8s bien Madame la Marquise ! Oui mais pourtant, il faut que l\u2019on vous dise que\u2026 \u00bb<\/p>\n<ul>\n<li>La fin du \u00ab quoi qu\u2019il en co\u00fbte \u00bb est bel et bien l\u00e0, signifiant un<strong> retour \u00e0 la situation<\/strong> d\u2019avant crise. Les 160 milliards de Pr\u00eat Garanti par l\u2019Etat ont vocation \u00e0 \u00eatre rembours\u00e9s. La possibilit\u00e9 de reporter de cotisations sociales est termin\u00e9e sauf exception.<\/li>\n<li>En scrutant de plus pr\u00e8s le nombre de d\u00e9faillances d\u2019entreprises sur 12 mois glissants, nous constatons un <strong>d\u00e9but de retournement<\/strong>.<\/li>\n<li>En tant que factor, lieu d\u2019observatoire de l\u2019activit\u00e9 \u00e9conomique, un indicateur est tr\u00e8s r\u00e9v\u00e9lateur. Il s\u2019agit du<strong> taux de r\u00e9serve disponible<\/strong>. De quoi s\u2019agit-il ?<br \/>Lorsqu\u2019une entreprise mobilise son poste client au travers d\u2019un contrat d\u2019affacturage, elle a la possibilit\u00e9 de tirer une partie seulement du financement. Il y a donc une quotit\u00e9 dite disponible que l\u2019entreprise n\u2019utilise pas. Cette r\u00e9serve disponible a fortement augment\u00e9 fin 2020 et d\u00e9but 2021. Toujours l\u2019effet PGE ! Les entreprises avaient suffisamment de tr\u00e9sorerie et avaient donc moins besoin de recourir \u00e0 notre financement.<br \/>Depuis le 2\u00e8me trimestre 2021, cette r\u00e9serve disponible diminue constamment et nous nous rapprochons du <strong>niveau de financement de 2019<\/strong>. C\u2019est du c\u00f4t\u00e9 des micro-entreprises que cette r\u00e9serve disponible est au plus bas.<\/li>\n<li>Les bilans des entreprises qui seront publi\u00e9s prochainement vont r\u00e9v\u00e9ler une hausse de l\u2019<strong>endettement<\/strong>, PGE oblige, et une accumulation des reports de charges, et voire pour certaines une diminution de leur rentabilit\u00e9.<\/li>\n<li>Enfin, les hausses des <strong>co\u00fbts d\u2019approvisionnement<\/strong> dont la presse fait \u00e9cho actuellement auront des r\u00e9percussions sur la rentabilit\u00e9 des entreprises et leur d\u00e9veloppement. Les difficult\u00e9s de recrutement dans de nombreux secteurs d\u2019activit\u00e9 et notamment celui de l\u2019information et de la communication ne permettront pas de r\u00e9pondre \u00e0 la demande. Et donc de faire face \u00e0 la reprise tant attendue. C\u2019est un secteur d\u2019activit\u00e9 que nous connaissons bien chez Factofrance au travers de notre d\u00e9partement Factobail.<\/li>\n<\/ul>\n<p>Toutes ces donn\u00e9es r\u00e9v\u00e8lent en ce d\u00e9but d\u2019ann\u00e9e 2022, le retour \u00e0 la croissance pour l\u2019affacturage qui constitue l\u2019une des premi\u00e8res sources de financement court terme des entreprises. C&rsquo;est pour cela qu&rsquo;en :<\/p>\n<ul>\n<li>s\u00e9curisant les cr\u00e9ances clients dans cette p\u00e9riode de reprise et d\u2019incertitudes,<\/li>\n<li>participant au maintien du d\u00e9lai moyen de r\u00e8glement des clients,<\/li>\n<li>et en lib\u00e9rant facilement des sources de liquidit\u00e9 au travers de la mobilisation du poste clients,<\/li>\n<\/ul>\n<p>L\u2019affacturage demeure une solution particuli\u00e8rement utile \u00e0 de nombreuses entreprises.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Vos clients ont-ils suffisamment de visibilit\u00e9 ? Arrivent-ils \u00e0 quantifier ?<br \/><\/strong><\/h3>\n<p>Face \u00e0 toutes les incertitudes expos\u00e9es pr\u00e9c\u00e9demment, il est \u00e9vident que nos clients manquent de visibilit\u00e9. A tel point que nous leur proposons actuellement des contrats d\u2019affacturage sans minimum de commission d\u2019affacturage. Mais \u00e9galement sans seuil de fonds de garantie pour l\u2019ann\u00e9e \u00e0 venir afin de faire face \u00e0 ce manque de visibilit\u00e9.<\/p>\n<p>Par ailleurs, lorsque les entreprises ont plus de cash, ce qui fut le cas ces deux derni\u00e8res ann\u00e9es, nous constatons que les dirigeants portent une attention moins soutenue sur leurs pr\u00e9visions de cash.<\/p>\n<p><strong>Et pourtant il est plus que jamais n\u00e9cessaire d\u2019\u00e9tablir des pr\u00e9visions de cash.<\/strong><\/p>\n<p><strong>Pr\u00e9voir<\/strong> les remboursements de PGE, les \u00e9ch\u00e9ances de moratoires Ursaff est un pr\u00e9-requis.<strong> Anticiper<\/strong> d\u2019\u00e9ventuelles difficult\u00e9s en se faisant accompagner au travers d\u2019une proc\u00e9dure amiable peut \u00eatre dans certains cas la bonne solution.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: left;\"><strong>Vos clients pr\u00e9voient-ils de s&rsquo;appuyer sur une meilleure gestion de tr\u00e9sorerie ? Partagent-ils ces pr\u00e9visions avec vous ?<br \/><\/strong><\/h3>\n<p>Je n\u2019ai pas de r\u00e9ponse globale \u00e0 cette question.<\/p>\n<p>S\u2019agissant des micro-entreprises, la r\u00e9ponse est majoritairement non. Les micro-entreprises ont rarement la capacit\u00e9 d\u2019\u00e9tablir des pr\u00e9visions de tr\u00e9sorerie.<\/p>\n<p>S\u2019agissant des <strong>ETI<\/strong>, les dirigeants ont souvent des solutions plus ou moins adapt\u00e9es \u00e0 leur <strong>gestion de tr\u00e9sorerie<\/strong> mais dans de nombreux cas ils ont conscience de la n\u00e9cessit\u00e9 d\u2019am\u00e9liorer cette gestion. Ils nous partagent leurs pr\u00e9visions plut\u00f4t \u00e0 notre demande, notamment lors de la mise en place d\u2019un contrat ou lors d\u2019une ren\u00e9gociation d\u2019un contrat existant.<\/p>\n<p>Enfin, s\u2019agissant des <strong>PME<\/strong>, les situations sont particuli\u00e8rement contrast\u00e9es. Mais d\u2019une fa\u00e7on g\u00e9n\u00e9rale, j\u2019ai le sentiment que la <strong>culture cash<\/strong> est loin d\u2019\u00eatre impl\u00e9ment\u00e9e et que la route est encore longue en la mati\u00e8re. Vous avez beaucoup de travail en perspective chez <a href=\"https:\/\/www.cashlab.fr\" target=\"_blank\" rel=\"noopener\">Cashlab<\/a> !<\/p>\n<p>&nbsp;<\/p>\n<p>R\u00e9dig\u00e9 par El\u00e9onore Berne, le 08\/03\/2022.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.18.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb max_width=\u00a0\u00bb1000px\u00a0\u00bb custom_padding=\u00a0\u00bb|20px||20px|false|true\u00a0\u00bb global_module=\u00a0\u00bb9255&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bb|600|||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#191735&Prime; text_font_size=\u00a0\u00bb30px\u00a0\u00bb custom_margin=\u00a0\u00bb43px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]Lire aussi..[\/et_pb_text][et_pb_blog fullwidth=\u00a0\u00bboff\u00a0\u00bb posts_number=\u00a0\u00bb3&Prime; include_categories=\u00a0\u00bb60,57&Prime; use_manual_excerpt=\u00a0\u00bboff\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb custom_margin=\u00a0\u00bb10px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_blog][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; admin_label=\u00a0\u00bbFooter\u00a0\u00bb _builder_version=\u00a0\u00bb4.21.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#191735&Prime; custom_padding=\u00a0\u00bb||40px||false|false\u00a0\u00bb global_module=\u00a0\u00bb7136&Prime; saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_4,1_4,1_4,1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_4&Prime; _builder_version=\u00a0\u00bb4.16&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbLogo\u00a0\u00bb _builder_version=\u00a0\u00bb4.16.0&Prime; custom_margin=\u00a0\u00bb|||-46px||\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb30px|||0px|false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb\u00a0\u00bb custom_padding_phone=\u00a0\u00bb\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2383\" src=\"https:\/\/www.cashlab.fr\/wp-content\/uploads\/2021\/10\/logo-blanc.webp\" alt=\"logo_blanc_Cashlab\" width=\"144\" height=\"27\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbA propos (sitemap)\u00a0\u00bb _builder_version=\u00a0\u00bb4.16.0&Prime; text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb text_line_height=\u00a0\u00bb1.5em\u00a0\u00bb link_line_height=\u00a0\u00bb1.5em\u00a0\u00bb header_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb header_4_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb header_4_text_color=\u00a0\u00bb#ffffff\u00a0\u00bb header_4_font_size=\u00a0\u00bb19px\u00a0\u00bb custom_margin=\u00a0\u00bb50px|||30px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb30px||0px|0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||0px||false|false\u00a0\u00bb text_font_tablet=\u00a0\u00bb\u00a0\u00bb text_font_phone=\u00a0\u00bb\u00a0\u00bb text_font_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_orientation_tablet=\u00a0\u00bb\u00a0\u00bb text_orientation_phone=\u00a0\u00bbcenter\u00a0\u00bb text_orientation_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\ud83d\udccd1, rue des Prouvaires<br \/>75001 Paris<\/p>\n<p>&nbsp;<\/p>\n<p>Suivez-nous :<\/p>\n<p>[\/et_pb_text][et_pb_social_media_follow url_new_window=\u00a0\u00bboff\u00a0\u00bb icon_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb 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_module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb1200px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.16.0&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.19.4&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbOpen Sans||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#FFFFFF\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\u00a92023 All rights reserved. | Cashlab | <span style=\"text-decoration: underline;\"><strong><span style=\"color: #ffffff;\"><a style=\"color: #ffffff; text-decoration: underline;\" href=\"https:\/\/www.cashlab.fr\/mentions-legales\/\" target=\"_blank\" rel=\"noopener\">Mentions L\u00e9gales<\/a><\/span><\/strong><\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sophie Susterac looks back on the last two years, marked by the crisis and corporate debt, and gives some insight into short-term financing needs in 2022. <\/p>","protected":false},"author":2,"featured_media":10887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","inline_featured_image":false,"footnotes":""},"categories":[57],"tags":[164,19,94,132,157,162,70,163,165,133,161,10],"class_list":["post-6808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","tag-besoin-en-financement","tag-cash","tag-cash-flow","tag-cash-forecast","tag-cashflow","tag-eti","tag-financement","tag-gestion-de-tresorerie","tag-pib","tag-pilotage-du-cash","tag-pme","tag-tresorerie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Les besoins de financement en 2022 selon Sophie Susterac<\/title>\n<meta name=\"description\" content=\"Sophie Susterac revient sur ces 2 derni\u00e8res ann\u00e9es de crise et donne des cl\u00e9s de lecture sur les besoins de financement court terme en 2022.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cashlab.fr\/en\/les-besoins-de-financement-en-2022-selon-sophie-susterac\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les besoins de financement en 2022 selon Sophie Susterac\" \/>\n<meta property=\"og:description\" content=\"Sophie Susterac revient sur ces 2 derni\u00e8res ann\u00e9es de crise et donne des cl\u00e9s de lecture sur les besoins de financement court terme en 2022.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cashlab.fr\/en\/les-besoins-de-financement-en-2022-selon-sophie-susterac\/\" \/>\n<meta property=\"og:site_name\" content=\"Cashlab\" \/>\n<meta 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