<ul id="crumbs"><li><a href="https://www.stb.com.tn/fr/">Accueil</a></li>&nbsp;&nbsp;<li>>></li>&nbsp;&nbsp;</ul>{"id":10099,"date":"2021-03-23T16:38:29","date_gmt":"2021-03-23T15:38:29","guid":{"rendered":"https:\/\/www.stb.com.tn\/fr\/?page_id=10099"},"modified":"2025-04-18T10:23:50","modified_gmt":"2025-04-18T08:23:50","slug":"credit-de-financement-de-stock","status":"publish","type":"page","link":"https:\/\/www.stb.com.tn\/fr\/entreprises\/financer-votre-cycle-d-exploitation\/credit-de-financement-de-stock\/","title":{"rendered":"CR\u00c9DIT DE FINANCEMENT DE STOCK"},"content":{"rendered":"<p>[vc_section css=&#8221;.vc_custom_1617137482800{padding-top: 120px !important;padding-bottom: 50px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/03\/1920&#215;350-financement-de-stock.jpg?id=9998) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;banner-top&#8221;][vc_row wrap_container=&#8221;yes&#8221; css=&#8221;.vc_custom_1616604273004{padding-top: 30px !important;padding-bottom: 30px !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;CR\u00c9DIT DE FINANCEMENT DE STOCK&#8221; font_container=&#8221;tag:h1|font_size:30|text_align:left|color:%231b276f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221;][vc_custom_heading text=&#8221;Pour financer au comptant vos stocks&#8221; font_container=&#8221;tag:h2|text_align:left|color:%231b276f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;400&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1616616210511{margin-top: 15px !important;}&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row el_class=&#8221;breadcrump-container&#8221;][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; wrap_container=&#8221;yes&#8221; css=&#8221;.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}&#8221; el_class=&#8221;bloc-row&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}&#8221;][vc_custom_heading text=&#8221;Avantages&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23186e9f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1640958275724{margin-top: 50px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;border-left-hr&#8221;][vc_column_text]Ce cr\u00e9dit est destin\u00e9 \u00e0 financer un stock de mati\u00e8res premi\u00e8res, de mati\u00e8res consommables, et \u00e9ventuellement de produits semi-finis ou finis.<\/p>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}&#8221;][vc_custom_heading text=&#8221;Caract\u00e9ristiques &#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23186e9f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1640958264014{margin-top: 50px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;border-left-hr&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Ce cr\u00e9dit est octroy\u00e9 aux entreprises \u00e9ligibles selon la cote th\u00e9orique suivante:<\/li>\n<li>La cote maximale est limit\u00e9e \u00e0 3 mois des achats consomm\u00e9s avec prise en compte des cr\u00e9dits fournisseurs.<\/li>\n<li>Pour b\u00e9n\u00e9ficier de cr\u00e9dit, la banque exige des garanties :<\/li>\n<li>Cautions<\/li>\n<li>Nantissement sur Fonds de commerce et \u00e9quipements <\/li>\n<li>Garanties hypoth\u00e9caires<\/li>\n<li>Assurances.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; wrap_container=&#8221;yes&#8221; css=&#8221;.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}&#8221; el_class=&#8221;bloc-row&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}&#8221;][vc_custom_heading text=&#8221;\u00c9ligibilit\u00e9<br \/>\n&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23186e9f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1640958287668{margin-top: 50px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;border-left-hr&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Peuvent b\u00e9n\u00e9ficier de ce cr\u00e9dit:<\/li>\n<li>Uniquement les industriels<\/li>\n<li>Ce concours peut \u00e9galement \u00eatre consenti \u00e0 tout B\u00e9n\u00e9ficiaire d&#8217;une lettre d&#8217;agr\u00e9ment pour la d\u00e9tention de stocks de s\u00e9curit\u00e9. Le montant du cr\u00e9dit sera dans ce cas \u00e9gal au montant port\u00e9 sur la lettre d&#8217;agr\u00e9ment.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}&#8221;][vc_custom_heading text=&#8221;Documents n\u00e9cessaires&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23186e9f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1641046172339{margin-top: 50px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;border-left-hr&#8221;][vc_column_text]<\/p>\n<ul>\n<li>Pour b\u00e9n\u00e9ficier de ce cr\u00e9dit, veuillez vous disposer des documents suivants:<\/li>\n<li>Plan de tr\u00e9sorerie pr\u00e9visionnel<\/li>\n<li>\u00c9tats financiers 2 derniers exercices<\/li>\n<li>Pi\u00e8ces justificatives des garanties \u00e0 fournir<\/li>\n<li>Structure des achats<\/li>\n<li>L\u2019\u00e9tat de stock<\/li>\n<li>Pour plus de renseignement, adressez-vous \u00e0 votre agence STB.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_section css=&#8221;.vc_custom_1617137482800{padding-top: 120px !important;padding-bottom: 50px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/03\/1920&#215;350-financement-de-stock.jpg?id=9998) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;banner-top&#8221;][vc_row wrap_container=&#8221;yes&#8221; css=&#8221;.vc_custom_1616604273004{padding-top: 30px !important;padding-bottom: 30px !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;CR\u00c9DIT DE FINANCEMENT DE STOCK&#8221; font_container=&#8221;tag:h1|font_size:30|text_align:left|color:%231b276f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221;][vc_custom_heading text=&#8221;Pour financer au comptant vos stocks&#8221; font_container=&#8221;tag:h2|text_align:left|color:%231b276f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;400&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1616616210511{margin-top: 15px !important;}&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_row el_class=&#8221;breadcrump-container&#8221;][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; wrap_container=&#8221;yes&#8221; css=&#8221;.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}&#8221; el_class=&#8221;bloc-row&#8221;][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}&#8221;][vc_custom_heading text=&#8221;Avantages&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23186e9f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1640958275724{margin-top: 50px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;border-left-hr&#8221;][vc_column_text]Ce cr\u00e9dit est destin\u00e9 \u00e0 financer un stock de mati\u00e8res premi\u00e8res, de mati\u00e8res consommables, et \u00e9ventuellement de produits semi-finis ou finis. [\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}&#8221;][vc_custom_heading text=&#8221;Caract\u00e9ristiques &#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23186e9f&#8221; use_theme_fonts=&#8221;yes&#8221; font_weight=&#8221;700&#8243; text_transform=&#8221;none&#8221; has_icon=&#8221;&#8221; css=&#8221;.vc_custom_1640958264014{margin-top: 50px !important;margin-bottom: 20px !important;}&#8221; el_class=&#8221;border-left-hr&#8221;][vc_column_text] Ce cr\u00e9dit est octroy\u00e9 aux entreprises \u00e9ligibles selon la cote th\u00e9orique suivante: La cote maximale est limit\u00e9e \u00e0 3 mois des achats consomm\u00e9s avec prise en compte des cr\u00e9dits fournisseurs. Pour b\u00e9n\u00e9ficier de cr\u00e9dit, la banque exige des garanties : Cautions Nantissement sur Fonds de commerce et \u00e9quipements Garanties hypoth\u00e9caires Assurances. 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