{"id":5900,"date":"2024-07-09T10:05:36","date_gmt":"2024-07-09T14:05:36","guid":{"rendered":"https:\/\/blog.source.immo\/?p=774"},"modified":"2024-07-12T11:22:30","modified_gmt":"2024-07-12T15:22:30","slug":"comment-preparer-ses-finances-pour-lachat-dun-bien-commercial","status":"publish","type":"post","link":"https:\/\/michelmessier.com\/en\/commercial\/comment-preparer-ses-finances-pour-lachat-dun-bien-commercial\/","title":{"rendered":"Comment pr\u00e9parer ses finances pour l&#8217;achat d&#8217;un bien commercial\u00a0\u00a0"},"content":{"rendered":"<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-margin-top=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-doc-id=\"5336909000002424029\" data-doc-type=\"writer\">L&#8217;achat d&#8217;un bien commercial est une \u00e9tape importante pour tout entrepreneur ou investisseur. Ce type d&#8217;acquisition n\u00e9cessite une planification financi\u00e8re rigoureuse et une compr\u00e9hension approfondie des divers aspects financiers impliqu\u00e9s. Voici quelques conseils pour vous aider \u00e0 pr\u00e9parer vos finances en vue de l&#8217;achat d&#8217;un bien commercial au Qu\u00e9bec.<\/p>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">1. \u00c9valuez votre situation financi\u00e8re actuelle<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tockwa2c3wz8f5y&quot;,&quot;id&quot;:&quot;toc_ok0kquv7n42k&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_ok0kquv7n42k\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tockwa2c3wz8f5y&quot;,&quot;id&quot;:&quot;toc_ok0kquv7n42k&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_ok0kquv7n42k\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">Avant de commencer \u00e0 chercher un bien commercial, il est essentiel d&#8217;\u00e9valuer votre situation financi\u00e8re actuelle. Cette \u00e9valuation comprend plusieurs \u00e9tapes :<\/p>\n<ul data-list-id=\"93866448\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"93866448\" data-list-info=\"{&quot;id&quot;:&quot;93866448&quot;,&quot;l&quot;:0}\">Analyse de vos actifs et passifs : Dressez la liste de vos actifs (\u00e9pargne, investissements, biens immobiliers) et de vos passifs (dettes, pr\u00eats en cours). Cette analyse vous donnera une id\u00e9e claire de votre patrimoine net.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"93866448\" data-list-info=\"{&quot;id&quot;:&quot;93866448&quot;,&quot;l&quot;:0}\">Revenus et d\u00e9penses : Examinez vos sources de revenus actuelles et projetez vos d\u00e9penses mensuelles. Cela vous aidera \u00e0 comprendre combien vous pouvez allouer \u00e0 un investissement immobilier sans mettre en p\u00e9ril votre stabilit\u00e9 financi\u00e8re.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"93866448\" data-list-info=\"{&quot;id&quot;:&quot;93866448&quot;,&quot;l&quot;:0}\">Historique de cr\u00e9dit : V\u00e9rifiez votre cote de cr\u00e9dit et assurez-vous qu&#8217;elle est en bonne sant\u00e9. Une cote de cr\u00e9dit \u00e9lev\u00e9e est souvent cruciale pour obtenir des conditions de financement avantageuses.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">2. Fixez un budget r\u00e9aliste<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocel2obc6lxml8&quot;,&quot;id&quot;:&quot;toc_okusmkm8qzbp&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_okusmkm8qzbp\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocel2obc6lxml8&quot;,&quot;id&quot;:&quot;toc_okusmkm8qzbp&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_okusmkm8qzbp\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">Une fois que vous avez une vue d&#8217;ensemble de votre situation financi\u00e8re, il est temps de fixer un budget r\u00e9aliste pour l&#8217;achat de votre bien commercial. Prenez en compte les \u00e9l\u00e9ments suivants :<\/p>\n<ul data-list-id=\"97330412\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"97330412\" data-list-info=\"{&quot;id&quot;:&quot;97330412&quot;,&quot;l&quot;:0}\">Prix d&#8217;achat : Recherchez les prix des biens commerciaux dans la r\u00e9gion o\u00f9 vous souhaitez acheter. Cela vous donnera une id\u00e9e du montant \u00e0 pr\u00e9voir.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"97330412\" data-list-info=\"{&quot;id&quot;:&quot;97330412&quot;,&quot;l&quot;:0}\">Frais de transaction : N&#8217;oubliez pas d&#8217;inclure les frais de notaire, les taxes de mutation immobili\u00e8re et autres frais administratifs.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"97330412\" data-list-info=\"{&quot;id&quot;:&quot;97330412&quot;,&quot;l&quot;:0}\">Frais de r\u00e9novation et d&#8217;am\u00e9nagement : Si le bien n\u00e9cessite des travaux, assurez-vous d&#8217;estimer ces co\u00fbts de mani\u00e8re pr\u00e9cise.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"97330412\" data-list-info=\"{&quot;id&quot;:&quot;97330412&quot;,&quot;l&quot;:0}\">Fonds de roulement : Pr\u00e9voyez un fonds de roulement pour couvrir les impr\u00e9vus et les d\u00e9penses courantes pendant les premiers mois suivant l&#8217;achat.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">3. Recherchez les options de financement<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocco7z76qob1q7&quot;,&quot;id&quot;:&quot;toc_t4thw8v5frti&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_t4thw8v5frti\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocco7z76qob1q7&quot;,&quot;id&quot;:&quot;toc_t4thw8v5frti&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_t4thw8v5frti\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">L&#8217;achat d&#8217;un bien commercial n\u00e9cessite souvent un financement externe. Voici quelques options \u00e0 consid\u00e9rer :<\/p>\n<ul data-list-id=\"76740555\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"76740555\" data-list-info=\"{&quot;id&quot;:&quot;76740555&quot;,&quot;l&quot;:0}\">Pr\u00eats hypoth\u00e9caires commerciaux : Les banques et les institutions financi\u00e8res offrent des pr\u00eats hypoth\u00e9caires sp\u00e9cifiquement con\u00e7us pour l&#8217;achat de biens commerciaux. Comparez les taux d&#8217;int\u00e9r\u00eat, les conditions et les exigences de chaque option.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"76740555\" data-list-info=\"{&quot;id&quot;:&quot;76740555&quot;,&quot;l&quot;:0}\">Financement participatif : Dans certains cas, le financement participatif peut \u00eatre une solution int\u00e9ressante pour r\u00e9unir les fonds n\u00e9cessaires.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"76740555\" data-list-info=\"{&quot;id&quot;:&quot;76740555&quot;,&quot;l&quot;:0}\">Investisseurs priv\u00e9s : Vous pouvez \u00e9galement envisager de faire appel \u00e0 des investisseurs priv\u00e9s qui sont pr\u00eats \u00e0 financer votre projet en \u00e9change d&#8217;une participation dans les b\u00e9n\u00e9fices.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"76740555\" data-list-info=\"{&quot;id&quot;:&quot;76740555&quot;,&quot;l&quot;:0}\">Programmes gouvernementaux : Renseignez-vous sur les programmes d&#8217;aide et de subventions offerts par le gouvernement du Qu\u00e9bec pour l&#8217;achat de biens commerciaux.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">4. Pr\u00e9parez un plan d&#8217;affaires solide<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Toc0jcqt24ha4p8&quot;,&quot;id&quot;:&quot;toc_d1k1g9jrhvvv&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_d1k1g9jrhvvv\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Toc0jcqt24ha4p8&quot;,&quot;id&quot;:&quot;toc_d1k1g9jrhvvv&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_d1k1g9jrhvvv\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">Un plan d&#8217;affaires bien \u00e9labor\u00e9 est crucial pour convaincre les pr\u00eateurs et les investisseurs de la viabilit\u00e9 de votre projet. Votre plan d&#8217;affaires doit inclure :<\/p>\n<ul data-list-id=\"26931170\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"26931170\" data-list-info=\"{&quot;id&quot;:&quot;26931170&quot;,&quot;l&quot;:0}\">R\u00e9sum\u00e9 ex\u00e9cutif : Pr\u00e9sentez bri\u00e8vement votre projet et vos objectifs.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"26931170\" data-list-info=\"{&quot;id&quot;:&quot;26931170&quot;,&quot;l&quot;:0}\">Analyse de march\u00e9 : D\u00e9crivez le march\u00e9 local, la demande pour votre type de bien commercial et la concurrence.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"26931170\" data-list-info=\"{&quot;id&quot;:&quot;26931170&quot;,&quot;l&quot;:0}\">Plan financier : Incluez des projections financi\u00e8res d\u00e9taill\u00e9es, y compris les revenus attendus, les d\u00e9penses et les flux de tr\u00e9sorerie.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"26931170\" data-list-info=\"{&quot;id&quot;:&quot;26931170&quot;,&quot;l&quot;:0}\">Strat\u00e9gie de marketing : Expliquez comment vous allez attirer et retenir des clients ou des locataires.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">5. Constituez une \u00e9quipe d&#8217;experts<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Toce78opglnz0tw&quot;,&quot;id&quot;:&quot;toc_rtng86qpnay9&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_rtng86qpnay9\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Toce78opglnz0tw&quot;,&quot;id&quot;:&quot;toc_rtng86qpnay9&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_rtng86qpnay9\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">L&#8217;achat d&#8217;un bien commercial implique de nombreuses d\u00e9marches complexes. Il est donc judicieux de s&#8217;entourer d&#8217;experts pour vous guider tout au long du processus :<\/p>\n<ul data-list-id=\"60480385\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"60480385\" data-list-info=\"{&quot;id&quot;:&quot;60480385&quot;,&quot;l&quot;:0}\">Courtier immobilier commercial : Un courtier sp\u00e9cialis\u00e9 dans l&#8217;immobilier commercial peut vous aider \u00e0 trouver le bien id\u00e9al et \u00e0 n\u00e9gocier les meilleures conditions d&#8217;achat.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"60480385\" data-list-info=\"{&quot;id&quot;:&quot;60480385&quot;,&quot;l&quot;:0}\">Conseiller financier : Un conseiller financier peut vous aider \u00e0 optimiser votre plan de financement et \u00e0 g\u00e9rer vos investissements.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"60480385\" data-list-info=\"{&quot;id&quot;:&quot;60480385&quot;,&quot;l&quot;:0}\">Notaire : Un notaire s&#8217;assurera que toutes les transactions sont conformes \u00e0 la loi et prot\u00e9gera vos int\u00e9r\u00eats juridiques.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"60480385\" data-list-info=\"{&quot;id&quot;:&quot;60480385&quot;,&quot;l&quot;:0}\">Entrepreneur en construction : Si des travaux sont n\u00e9cessaires, un entrepreneur de confiance pourra vous fournir des estimations pr\u00e9cises et r\u00e9aliser les r\u00e9novations.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">6. Effectuez une diligence raisonnable approfondie<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocackpq84xe7lm&quot;,&quot;id&quot;:&quot;toc_mtfvzld7428t&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_mtfvzld7428t\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocackpq84xe7lm&quot;,&quot;id&quot;:&quot;toc_mtfvzld7428t&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_mtfvzld7428t\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">Avant de finaliser l&#8217;achat, il est essentiel de r\u00e9aliser une diligence raisonnable approfondie pour vous assurer que le bien correspond \u00e0 vos attentes et qu&#8217;il n&#8217;y a pas de probl\u00e8mes cach\u00e9s :<\/p>\n<ul data-list-id=\"96540842\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"96540842\" data-list-info=\"{&quot;id&quot;:&quot;96540842&quot;,&quot;l&quot;:0}\">Inspection du b\u00e2timent : Faites inspecter le bien par un professionnel pour identifier tout probl\u00e8me structurel ou de maintenance.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"96540842\" data-list-info=\"{&quot;id&quot;:&quot;96540842&quot;,&quot;l&quot;:0}\">V\u00e9rification des titres : Assurez-vous que le vendeur est le propri\u00e9taire l\u00e9gitime du bien et qu&#8217;il n&#8217;y a pas de litiges ou de dettes associ\u00e9es \u00e0 la propri\u00e9t\u00e9.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"96540842\" data-list-info=\"{&quot;id&quot;:&quot;96540842&quot;,&quot;l&quot;:0}\">Analyse des baux : Si le bien est d\u00e9j\u00e0 lou\u00e9, examinez les baux en cours pour comprendre les conditions de location et les obligations des locataires.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">7. Pr\u00e9parez-vous pour la gestion continue<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocj20gges6tviu&quot;,&quot;id&quot;:&quot;toc_7j5rwxuff3w7&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_7j5rwxuff3w7\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Tocj20gges6tviu&quot;,&quot;id&quot;:&quot;toc_7j5rwxuff3w7&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_7j5rwxuff3w7\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">L&#8217;achat d&#8217;un bien commercial n&#8217;est que le d\u00e9but de votre aventure. La gestion efficace de votre bien est essentielle pour en maximiser la rentabilit\u00e9 :<\/p>\n<ul data-list-id=\"98947260\" data-list-format=\"{&quot;level5&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level4&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level7&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level6&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level8&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1},&quot;level1&quot;:{&quot;type&quot;:7,&quot;startsWith&quot;:1},&quot;level0&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level3&quot;:{&quot;type&quot;:6,&quot;startsWith&quot;:1},&quot;level2&quot;:{&quot;type&quot;:8,&quot;startsWith&quot;:1}}\" data-spl-bullet-format=\"{}\">\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"98947260\" data-list-info=\"{&quot;id&quot;:&quot;98947260&quot;,&quot;l&quot;:0}\">Gestion des locataires : Si vous louez des espaces commerciaux, assurez-vous de bien g\u00e9rer les relations avec vos locataires et de r\u00e9pondre rapidement \u00e0 leurs besoins.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"98947260\" data-list-info=\"{&quot;id&quot;:&quot;98947260&quot;,&quot;l&quot;:0}\">Entretien et r\u00e9parations : Pr\u00e9parez un plan d&#8217;entretien r\u00e9gulier pour maintenir votre bien en bon \u00e9tat et \u00e9viter les co\u00fbts de r\u00e9paration impr\u00e9vus.<\/p>\n<\/li>\n<li>\n<p class=\"zw-list zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-left=\"0.5in\" data-text-indent=\"-0.25in\" data-margin-bottom=\"6pt\" data-margin-top=\"6pt\" data-hd-info=\"0\" data-line-height=\"1.2\" data-list-id=\"98947260\" data-list-info=\"{&quot;id&quot;:&quot;98947260&quot;,&quot;l&quot;:0}\">Suivi financier : Surveillez de pr\u00e8s vos revenus et d\u00e9penses pour vous assurer que votre investissement reste rentable.<\/p>\n<\/li>\n<\/ul>\n<p class=\"zw-paragraph heading2\" data-header=\"2\" data-margin-bottom=\"12pt\" data-margin-top=\"24pt\" data-hd-info=\"2\" data-line-height=\"1.3\">Conclusion<span data-range-char-type=\"start\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Toc03tqs7p2iq4v&quot;,&quot;id&quot;:&quot;toc_taqen0u9tdpt&quot;,&quot;type&quot;:&quot;bookmark&quot;,&quot;render_type&quot;:&quot;inline&quot;,&quot;geo_transformation&quot;:{&quot;translation&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;scaling&quot;:{&quot;x&quot;:false,&quot;y&quot;:false},&quot;rotation&quot;:false}}\" data-bookmark-id=\"toc_taqen0u9tdpt\">\u00a0<\/span><span data-range-char-type=\"end\" data-bookmark-info=\"{&quot;name&quot;:&quot;_Toc03tqs7p2iq4v&quot;,&quot;id&quot;:&quot;toc_taqen0u9tdpt&quot;,&quot;type&quot;:&quot;bookmark&quot;}\" data-bookmark-id=\"toc_taqen0u9tdpt\">\u00a0<\/span><\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">Pr\u00e9parer ses finances pour l&#8217;achat d&#8217;un bien commercial au Qu\u00e9bec est un processus complexe qui n\u00e9cessite une planification minutieuse et une connaissance approfondie des diff\u00e9rentes options de financement et des \u00e9tapes \u00e0 suivre. En suivant ces conseils, vous serez mieux \u00e9quip\u00e9 pour prendre des d\u00e9cisions \u00e9clair\u00e9es et r\u00e9ussir votre investissement.<\/p>\n<p class=\"zw-paragraph heading0\" data-header=\"0\" data-textformat=\"{&quot;fgc&quot;:&quot;rgb(13, 13, 13)&quot;,&quot;size&quot;:&quot;12.00&quot;,&quot;type&quot;:&quot;text&quot;}\" data-margin-bottom=\"0pt\" data-margin-top=\"15pt\" data-hd-info=\"0\" data-line-height=\"1.2\">Pour plus de conseils personnalis\u00e9s et un accompagnement professionnel, n&#8217;h\u00e9sitez pas \u00e0 contacter notre \u00e9quipe de courtiers immobiliers experts. Nous sommes l\u00e0 pour vous aider \u00e0 chaque \u00e9tape de votre projet immobilier commercial.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&#8217;achat d&#8217;un bien commercial est une \u00e9tape importante pour tout entrepreneur ou investisseur. Ce type d&#8217;acquisition n\u00e9cessite une planification financi\u00e8re rigoureuse et une compr\u00e9hension approfondie des divers aspects financiers impliqu\u00e9s. Voici quelques conseils pour vous aider \u00e0 pr\u00e9parer vos finances en vue de l&#8217;achat d&#8217;un bien commercial au Qu\u00e9bec. 1. \u00c9valuez votre situation financi\u00e8re actuelle\u00a0\u00a0 [&hellip;]<\/p>\n","protected":false},"author":386,"featured_media":5901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[24],"tags":[],"class_list":["post-5900","post","type-post","status-publish","format-standard","hentry","category-commercial"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment pr\u00e9parer ses finances pour l&#039;achat d&#039;un bien commercial\u00a0\u00a0 | Michel Messier<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/michelmessier.a.aliquando.immo\/commercial\/comment-preparer-ses-finances-pour-lachat-dun-bien-commercial\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment pr\u00e9parer ses finances pour l&#039;achat d&#039;un bien commercial\u00a0\u00a0 | Michel Messier\" \/>\n<meta property=\"og:description\" content=\"L&#8217;achat d&#8217;un bien commercial est une \u00e9tape importante pour tout entrepreneur ou investisseur. 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