<ul id="crumbs"><li><a href="https://www.stb.com.tn/fr/">Accueil</a></li>&nbsp;&nbsp;<li>>></li>&nbsp;&nbsp;</ul>{"id":3850,"date":"2020-09-03T18:50:34","date_gmt":"2020-09-03T16:50:34","guid":{"rendered":"https:\/\/www.stb.com.tn\/fr\/?page_id=3850"},"modified":"2025-04-18T12:32:55","modified_gmt":"2025-04-18T10:32:55","slug":"facilite-de-caisse","status":"publish","type":"page","link":"https:\/\/www.stb.com.tn\/fr\/entreprises\/financer-votre-cycle-d-exploitation\/facilite-de-caisse\/","title":{"rendered":"Facilit\u00e9 de Caisse"},"content":{"rendered":"<p>[vc_section css=&#8221;.vc_custom_1619004065637{padding-top: 80px !important;padding-bottom: 60px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/03\/1920&#215;350-besoins-de-tr\u00e9sorerie.jpg?id=9977) !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_1617136617331{padding-top: 30px !important;padding-bottom: 30px !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;FACILIT\u00c9 DE CAISSE<br \/>\n&#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;Vous avez des \u00e9carts temporaires de tr\u00e9sorerie ?<br \/>\nLa STB vous aide \u00e0 couvrir vos besoins de tr\u00e9sorerie !<br \/>\n&#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_1617136647975{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]<\/p>\n<h3>Comblez efficacement vos d\u00e9calages de tr\u00e9sorerie !<\/h3>\n<p>Pour couvrir vos besoins de tr\u00e9sorerie n\u00e9s du d\u00e9calage entre les flux des recettes et des d\u00e9penses,\u00a0la STB vous permet d\u2019avoir un compte courant d\u00e9biteur dans la limite d\u2019un montant convenu et sur une p\u00e9riode d\u00e9termin\u00e9e.[\/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<div><strong>Ce cr\u00e9dit est octroy\u00e9 aux entreprises \u00e9ligibles selon les cotes th\u00e9oriques suivantes:<\/strong><\/div>\n<ul>\n<li>1 mois du CA confi\u00e9 pour les entreprises industrielles<\/li>\n<li>15 jours du CA confi\u00e9 pour les Commer\u00e7ants et prestataires services.<\/li>\n<li>REMARQUE: Cette cote ne devra pas d\u00e9passer la pointe de la tr\u00e9sorerie n\u00e9gative cumul\u00e9e du mois du tableau de tr\u00e9sorerie pr\u00e9visionnelle pr\u00e9sent\u00e9 par le client.<\/li>\n<li>Pour b\u00e9n\u00e9ficier de ce cr\u00e9dit, la banque exige les garanties suivantes:<\/li>\n<li>Cautions et\/ou\u00a0Nantissement sur actifs projet et\/ou\u00a0Garanties hypoth\u00e9caires<\/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<h3>Qui peut en b\u00e9n\u00e9ficier ?<\/h3>\n<ul>\n<li>Peuvent b\u00e9n\u00e9ficier de la Facilit\u00e9 de Caisse\u00a0 les clients professionnels, les entreprises industrielles, commerciales, agricoles\u00a0ou de service.<\/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]Pour b\u00e9n\u00e9ficier de ce cr\u00e9dit, veuillez vous disposer des documents suivants:<\/p>\n<ul>\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>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_1619004065637{padding-top: 80px !important;padding-bottom: 60px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/03\/1920&#215;350-besoins-de-tr\u00e9sorerie.jpg?id=9977) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; 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La STB vous aide \u00e0 couvrir vos besoins de tr\u00e9sorerie ! &#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_1617136647975{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] Comblez efficacement vos d\u00e9calages de tr\u00e9sorerie ! 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