{"id":19567,"date":"2025-01-14T13:38:20","date_gmt":"2025-01-14T18:38:20","guid":{"rendered":"https:\/\/margill.com\/home\/"},"modified":"2026-01-28T10:41:39","modified_gmt":"2026-01-28T15:41:39","slug":"accueil","status":"publish","type":"page","link":"https:\/\/margill.com\/fr\/","title":{"rendered":"Accueil"},"content":{"rendered":"\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-b37c5743 wp-block-group-is-layout-constrained\">\n<h1 class=\"wp-block-heading has-secondary-color has-text-color has-link-color has-xxx-large-font-size wp-elements-7f7fa14ecedae075805358b4a48444c2\" style=\"font-style:normal;font-weight:300;line-height:0.85\">Logiciels de <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">Gestion de pr\u00eats<\/mark><\/strong> et de <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">Calcul d&rsquo;int\u00e9r\u00eat<\/mark><\/strong><\/h1>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-1e90ac91 wp-block-group-is-layout-constrained\" style=\"padding-top:4rem;padding-right:2rem;padding-bottom:6rem;padding-left:2rem\">\n<div class=\"wp-block-group alignwide product-gpm-mci is-layout-grid wp-container-core-group-is-layout-80c41186 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group product-gpm wp-container-content-24e11275 is-layout-grid wp-container-core-group-is-layout-7db3a0ef wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group is-style-rounded-corners-small has-secondary-background-color has-background wp-container-content-e051a413 is-layout-flow wp-container-core-group-is-layout-42f4ef8e wp-block-group-is-layout-flow\" style=\"padding-top:36px;padding-right:30px;padding-bottom:36px;padding-left:30px\">\n<div class=\"wp-block-group is-layout-flow wp-container-core-group-is-layout-25af0a11 wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color has-text-color has-link-color wp-elements-9c8cc2fcec64173d3773aa669cfb309b\" style=\"font-size:clamp(1.743rem, 1.743rem + ((1vw - 0.2rem) * 1.796), 3rem);font-style:normal;font-weight:900;line-height:1\">Gestionnaire de Pr\u00eats<\/h2>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color has-xx-large-font-size wp-elements-4ec5d527e05fe27ac3ecc45e192f0bae wp-block-paragraph\" style=\"line-height:1\">Margill<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"lg:tw-max-w-none lg:tw-pb-[26px] min-[565px]:tw-max-w-[50%] has-white-color has-text-color has-link-color has-medium-font-size wp-elements-5c0eb5fd154ffb3acce019ee9f97447f wp-block-paragraph\" style=\"font-style:normal;font-weight:500;line-height:1.11\">Des heures de gestion r\u00e9duites \u00e0 quelques minutes. Plus rapide, plus fiable, plus simple.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group product-gpm-item is-style-rounded-corners-small shadow-light has-border-color has-grey-1-border-color has-white-background-color has-background wp-container-content-e051a413 is-layout-grid wp-container-core-group-is-layout-93203920 wp-block-group-is-layout-grid\" style=\"border-width:1px;padding-top:20px;padding-right:30px;padding-bottom:20px;padding-left:30px\">\n<div class=\"wp-block-buttons tw-order-2 min-[565px]:tw-order-1 is-vertical is-layout-flex wp-container-core-buttons-is-layout-28803f58 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/margill.com\/fr\/produits-services\/margill-loan-manager\/\">Plus d&rsquo;infos<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/margill.com\/fr\/produits-services\/margill-loan-manager\/\">30 jours d&rsquo;essai<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-image size-large tw-index-4 tw-relative tw-right-0 tw-max-w-[100%] min-[565px]:tw-absolute min-[565px]:tw-bottom-[20px] min-[565px]:tw-max-w-[45%] lg:tw-w-[50%]\"><img loading=\"lazy\" decoding=\"async\" width=\"1030\" height=\"643\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/SOC-loan-manager-fr-1030x643.webp\" alt=\"\" class=\"wp-image-20256\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/SOC-loan-manager-fr-1030x643.webp 1030w, https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/SOC-loan-manager-fr-300x187.webp 300w, https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/SOC-loan-manager-fr.webp 1115w\" sizes=\"auto, (max-width: 1030px) 100vw, 1030px\" \/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group product-mci wp-container-content-df58029b is-nowrap is-layout-flex wp-container-core-group-is-layout-7b0eb00a wp-block-group-is-layout-flex\" style=\"border-radius:11px\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3509ef98 wp-block-group-is-layout-flex wp-container-5 is-position-sticky\">\n<div class=\"wp-block-group is-style-rounded-left-corners-small has-grey-1-background-color has-background wp-container-content-0b7371b8 is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-3118b1fb wp-block-group-is-layout-flex\" style=\"padding-top:1.94em;padding-right:2.25em;padding-bottom:1.94em;padding-left:2.25em\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-82eb0e25 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-18f13261 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:48px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-e876b32d wp-block-group-is-layout-constrained\">\n<p class=\"has-dark-grey-color has-text-color has-link-color wp-elements-2f7a12d40d4a61d773802d0ceaa3f8ed wp-block-paragraph\" style=\"font-size:clamp(14.642px, 0.915rem + ((1vw - 3.2px) * 0.657), 22px);font-style:normal;font-weight:900;line-height:1\">Calculateur d&rsquo;int\u00e9r\u00eat<\/p>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-1f25dc11375f79df39fa10fc209a2b8c wp-block-paragraph\" style=\"font-size:clamp(14.642px, 0.915rem + ((1vw - 3.2px) * 0.657), 22px);line-height:1\">Margill<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\" style=\"line-height:1.2\">Le Standard mondial pour les calculs simples et complexes d&rsquo;int\u00e9r\u00eat, l\u2019amortissement, les arr\u00e9rages, etc.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-40e62667 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-white-background-color has-background wp-element-button\" href=\"https:\/\/margill.com\/fr\/produits-services\/margill-interest-calculator\/\">Plus d&rsquo;infos<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link has-white-background-color has-background wp-element-button\" href=\"https:\/\/margill.com\/fr\/produits-services\/margill-interest-calculator\/\">30 jours d&rsquo;\u00e9ssai<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-style-rounded-right-corners-small has-grey-1-background-color has-background wp-container-content-0b7371b8 is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-3118b1fb wp-block-group-is-layout-flex\" style=\"padding-top:1.94em;padding-right:2.25em;padding-bottom:1.94em;padding-left:2.25em\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-82eb0e25 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-18f13261 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:48px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-e876b32d wp-block-group-is-layout-constrained\">\n<p class=\"has-dark-grey-color has-text-color has-link-color wp-elements-dfba97353ba0d905af6a1f138752834e wp-block-paragraph\" style=\"font-size:clamp(14.642px, 0.915rem + ((1vw - 3.2px) * 0.657), 22px);font-style:normal;font-weight:900;line-height:1\">Calculateur d&rsquo;int\u00e9r\u00eat &#8211; Droit<\/p>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-1f25dc11375f79df39fa10fc209a2b8c wp-block-paragraph\" style=\"font-size:clamp(14.642px, 0.915rem + ((1vw - 3.2px) * 0.657), 22px);line-height:1\">Margill<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-container-core-group-is-layout-a0965b7c wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\" style=\"line-height:1.2\">Le choix des avocats et autres professionnels en Droit pour tous leurs calculs d&rsquo;int\u00e9r\u00eat.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-40e62667 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--3\"><a class=\"wp-block-button__link has-white-background-color has-background wp-element-button\" href=\"https:\/\/margill.com\/fr\/produits-services\/margill-law-interest-calculator\/\">Plus d&rsquo;infos<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--4\"><a class=\"wp-block-button__link has-white-background-color has-background wp-element-button\" href=\"https:\/\/margill.com\/fr\/produits-services\/margill-law-interest-calculator\/\">30 jours d&rsquo;\u00e9ssai<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-158e126d wp-block-group-is-layout-constrained\" style=\"padding-right:2rem;padding-left:2rem\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-center is-layout-flex wp-container-core-columns-is-layout-a273f2ab wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<div class=\"wp-block-group tw-flex-1 wp-container-content-0733e5d0 is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-b9761d22 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group wp-container-content-958eb9dc has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<figure class=\"wp-block-image size-full has-custom-border is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"648\" src=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/gestionnaire-de-pret-margill-fr.webp\" alt=\"\" class=\"wp-image-20220\" style=\"border-radius:10px\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/gestionnaire-de-pret-margill-fr.webp 800w, https:\/\/margill.com\/wp-content\/uploads\/2025\/08\/gestionnaire-de-pret-margill-fr-300x243.webp 300w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-content-justification-left is-layout-constrained wp-container-core-column-is-layout-4a387450 wp-block-column-is-layout-constrained\" style=\"flex-basis:100%\">\n<div class=\"wp-block-group full-width-mobile wp-container-content-0733e5d0 is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-primary-color has-text-color has-link-color has-x-large-font-size wp-elements-2e724c5bc06c0985b2d0c21527d22121\" style=\"font-style:normal;font-weight:900\">Pourquoi choisir Margill<\/h2>\n\n\n\n<div class=\"wp-block-group is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-c3945472 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group accordeon-item is-active has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6401310b wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group accordeon-trigger is-nowrap is-layout-flex wp-container-core-group-is-layout-386644f7 wp-block-group-is-layout-flex\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:5px\">\n<div class=\"wp-block-outermost-icon-block accordeon-arrow\"><div class=\"icon-container\" style=\"width:16px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"13\" height=\"7\" viewBox=\"0 0 13 7\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.7437 6.55514C6.40197 6.83876 5.847 6.83876 5.50527 6.55514L0.256297 2.19879C-0.0854331 1.91517 -0.085433 1.45458 0.256297 1.17096C0.598027 0.887347 1.153 0.887347 1.49473 1.17096L6.12585 5.01454L10.757 1.17323C11.0987 0.889617 11.6537 0.889617 11.9954 1.17323C12.3371 1.45685 12.3371 1.91744 11.9954 2.20106L6.74644 6.55741L6.7437 6.55514Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-secondary-color has-text-color has-link-color has-medium-font-size wp-elements-94976ad09022d2f1b2e90a3669f5cadb\" style=\"font-style:normal;font-weight:400\">Une solide r\u00e9putation<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-target has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-9baa9b4c wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-59ee8185 wp-block-group-is-layout-constrained\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:20px\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:50px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"50\" height=\"31\" viewBox=\"0 0 50 31\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M20.6172 0C17.9688 0 15.4062 0.9375 13.3828 2.63281L11.25 4.42969V7.48438C11.4609 7.44531 11.6641 7.35156 11.8281 7.21094L14.9922 4.55469C16.0312 3.67969 17.25 3.07031 18.5469 2.75L21.2969 0H20.6172ZM8.75 22.5391C9.38281 22.6406 9.97656 22.9297 10.4375 23.3828L14.0391 26.8672L15.9375 28.7656C17.8984 30.7266 21.0469 30.8125 23.1094 28.9688C23.1719 28.9141 23.2344 28.8594 23.2891 28.7969C25.3438 30.4609 28.3906 30.25 30.1953 28.2266C30.6641 27.7031 31 27.1016 31.2109 26.4688C32.7109 26.7812 34.3359 26.4062 35.5625 25.3125C36.4453 24.5234 36.9844 23.5 37.1719 22.4219H41.25V23.7656C41.25 25.8359 42.9297 27.5156 45 27.5156H46.25C48.3203 27.5156 50 25.8359 50 23.7656V7.51562C50 6.13281 48.8828 5.01562 47.5 5.01562H43.75H41.25V7.51562V19.9219H36.9609C36.7188 19.2422 36.3281 18.5938 35.7812 18.0469L29.0938 11.3594L29.7266 10.7734C30.2344 10.3047 30.2656 9.51562 29.7969 9.00781C29.3281 8.5 28.5391 8.46875 28.0312 8.9375L22.0859 14.4219C21.0547 15.375 19.4609 15.3906 18.4141 14.4531C17.2109 13.3828 17.1875 11.5234 18.3516 10.4219L24.5547 4.5625C25.9531 3.23438 27.7969 2.5 29.7188 2.5C31.4922 2.5 33.2031 3.125 34.5547 4.26562L38.0547 7.21094C38.25 7.375 38.4922 7.47656 38.7422 7.5V4.52344L36.1641 2.35156C34.3594 0.828125 32.0781 0 29.7188 0C27.1562 0 24.6953 0.976562 22.8359 2.73438L16.6328 8.59375C14.3984 10.7031 14.4531 14.2734 16.75 16.3125C18.7656 18.1016 21.8047 18.0703 23.7812 16.25L27.2578 13.0469L34.0156 19.8047C35.0312 20.8203 34.9844 22.4844 33.9062 23.4375C33.0547 24.1953 31.8203 24.2656 30.8906 23.6719C30.5 23.4141 30 23.4062 29.5938 23.6328C29.1875 23.8594 28.9453 24.3047 28.9688 24.7734C29 25.4062 28.7891 26.0469 28.3359 26.5625C27.375 27.6484 25.6953 27.6953 24.6719 26.6719L24.0391 26.0391C23.7578 25.7578 23.3594 25.625 22.9688 25.6875C22.5781 25.75 22.2344 25.9922 22.0469 26.3438C21.8984 26.625 21.7031 26.8828 21.4531 27.1094C20.375 28.0703 18.7344 28.0234 17.7188 27.0078L14.6016 23.8984L14.5781 23.9219L12.1797 21.6016C11.25 20.7031 10.0391 20.1562 8.75781 20.0391L8.75 7.5V5H6.25H2.5C1.11719 5 0 6.11719 0 7.5V23.75C0 25.8203 1.67969 27.5 3.75 27.5H5C7.07031 27.5 8.75 25.8203 8.75 23.75V22.5391ZM6.25 7.5V23.75C6.25 24.4375 5.6875 25 5 25H3.75C3.0625 25 2.5 24.4375 2.5 23.75V7.5H6.25ZM47.5 7.5V23.75C47.5 24.4375 46.9375 25 46.25 25H45C44.3125 25 43.75 24.4375 43.75 23.75V7.5H47.5Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-710d726cb4f44b2614da6b29a86113c6 wp-block-paragraph\">Les produits Margill sont utilis\u00e9s dans plus de 50 pays par des milliers de professionnels et d\u2019organismes tels Justice Canada, la&nbsp;<em>U.S. Securities and Exchange Commission<\/em>, Banque SBA, lndustriel Aliance, villes de Montr\u00e9al, Qu\u00e9bec, Dallas, \u00c9lectricit\u00e9 de France &#8211; Safidi)&#8230;<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-item has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6401310b wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group accordeon-trigger is-nowrap is-layout-flex wp-container-core-group-is-layout-386644f7 wp-block-group-is-layout-flex\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:5px\">\n<div class=\"wp-block-outermost-icon-block accordeon-arrow\"><div class=\"icon-container\" style=\"width:16px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"13\" height=\"7\" viewBox=\"0 0 13 7\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.7437 6.55514C6.40197 6.83876 5.847 6.83876 5.50527 6.55514L0.256297 2.19879C-0.0854331 1.91517 -0.085433 1.45458 0.256297 1.17096C0.598027 0.887347 1.153 0.887347 1.49473 1.17096L6.12585 5.01454L10.757 1.17323C11.0987 0.889617 11.6537 0.889617 11.9954 1.17323C12.3371 1.45685 12.3371 1.91744 11.9954 2.20106L6.74644 6.55741L6.7437 6.55514Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-secondary-color has-text-color has-link-color has-medium-font-size wp-elements-0c8a10ca45be1a83bc813e1b957583b8\" style=\"font-style:normal;font-weight:400\">Des math\u00e9matiques avanc\u00e9es<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-target has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-9baa9b4c wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-59ee8185 wp-block-group-is-layout-constrained\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:20px\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:50px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"50\" height=\"40\" viewBox=\"0 0 50 40\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.25 6.25C6.25 2.79687 9.04687 0 12.5 0H16.25C16.9375 0 17.5 0.5625 17.5 1.25C17.5 1.9375 16.9375 2.5 16.25 2.5H12.5C10.4297 2.5 8.75 4.17969 8.75 6.25V15H13.75C14.4375 15 15 15.5625 15 16.25C15 16.9375 14.4375 17.5 13.75 17.5H8.75V31.1016C8.75 34.3125 6.32031 37 3.125 37.3203L1.375 37.4922C0.6875 37.5625 0.078125 37.0625 0.0078125 36.375C-0.0625 35.6875 0.4375 35.0781 1.125 35.0078L2.875 34.8359C4.78906 34.6406 6.25 33.0234 6.25 31.1016V17.5H1.25C0.5625 17.5 0 16.9375 0 16.25C0 15.5625 0.5625 15 1.25 15H6.25V6.25ZM23.5547 12.5391C21.3125 16.1016 20 20.3828 20 25C20 29.6172 21.3125 33.8984 23.5547 37.4609C23.9219 38.0469 23.75 38.8203 23.1641 39.1875C22.5781 39.5547 21.8047 39.3828 21.4375 38.7969C18.9453 34.8359 17.5 30.0937 17.5 25C17.5 19.9063 18.9453 15.1641 21.4453 11.2109C21.8125 10.625 22.5859 10.4531 23.1719 10.8203C23.7578 11.1875 23.9297 11.9609 23.5625 12.5469L23.5547 12.5391ZM43.9375 12.5391C43.5703 11.9531 43.7422 11.1797 44.3281 10.8125C44.9141 10.4453 45.6875 10.6172 46.0547 11.2031C48.5547 15.1641 50 19.9063 50 25C50 30.0937 48.5547 34.8359 46.0547 38.7891C45.6875 39.375 44.9141 39.5469 44.3281 39.1797C43.7422 38.8125 43.5703 38.0391 43.9375 37.4531C46.1875 33.8984 47.5 29.6172 47.5 25C47.5 20.3828 46.1875 16.1016 43.9453 12.5391H43.9375ZM29.6328 19.1172L33.75 23.2344L37.8672 19.1172C38.3516 18.6328 39.1484 18.6328 39.6328 19.1172C40.1172 19.6016 40.1172 20.3984 39.6328 20.8828L35.5156 25L39.6328 29.1172C40.1172 29.6016 40.1172 30.3984 39.6328 30.8828C39.1484 31.3672 38.3516 31.3672 37.8672 30.8828L33.75 26.7656L29.6328 30.8828C29.1484 31.3672 28.3516 31.3672 27.8672 30.8828C27.3828 30.3984 27.3828 29.6016 27.8672 29.1172L31.9844 25L27.8672 20.8828C27.3828 20.3984 27.3828 19.6016 27.8672 19.1172C28.3516 18.6328 29.1484 18.6328 29.6328 19.1172Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-9887e1bc86349651b3ed7b7af2a65b84 wp-block-paragraph\">Les produits Margill sont le choix privil\u00e9gi\u00e9 des entreprises publiques et priv\u00e9es, des organismes de r\u00e9glementation, des banques, des cabinets juridiques, des tribunaux, des comptables et des gouvernements en raison de leur sup\u00e9riorit\u00e9 math\u00e9matique: sc\u00e9narios de paiement complexes, paiements irr\u00e9guliers, m\u00e9thodes de remboursement sp\u00e9ciales, etc.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-item has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6401310b wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group accordeon-trigger is-nowrap is-layout-flex wp-container-core-group-is-layout-386644f7 wp-block-group-is-layout-flex\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:5px\">\n<div class=\"wp-block-outermost-icon-block accordeon-arrow\"><div class=\"icon-container\" style=\"width:16px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"13\" height=\"7\" viewBox=\"0 0 13 7\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.7437 6.55514C6.40197 6.83876 5.847 6.83876 5.50527 6.55514L0.256297 2.19879C-0.0854331 1.91517 -0.085433 1.45458 0.256297 1.17096C0.598027 0.887347 1.153 0.887347 1.49473 1.17096L6.12585 5.01454L10.757 1.17323C11.0987 0.889617 11.6537 0.889617 11.9954 1.17323C12.3371 1.45685 12.3371 1.91744 11.9954 2.20106L6.74644 6.55741L6.7437 6.55514Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-secondary-color has-text-color has-link-color has-medium-font-size wp-elements-620a39fb6b1a06dbcb8361fd4774bfc4\" style=\"font-style:normal;font-weight:400\">Personnalisation<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-target has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-9baa9b4c wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-59ee8185 wp-block-group-is-layout-constrained\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:20px\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:50px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"50\" height=\"47\" viewBox=\"0 0 50 47\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 39.0625C0 39.9219 0.703125 40.625 1.5625 40.625H7.96875C8.69141 44.1895 11.8457 46.875 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21.6437C38.9413 22.2124 39.0625 22.8219 39.0625 23.4375C39.0625 24.0531 38.9413 24.6626 38.7057 25.2313C38.4701 25.8 38.1248 26.3168 37.6896 26.7521C37.2543 27.1873 36.7375 27.5326 36.1688 27.7682C35.6001 28.0038 34.9906 28.125 34.375 28.125C33.7594 28.125 33.1499 28.0038 32.5812 27.7682C32.0125 27.5326 31.4957 27.1873 31.0604 26.7521C30.6252 26.3168 30.2799 25.8 30.0443 25.2313C29.8087 24.6626 29.6875 24.0531 29.6875 23.4375ZM34.375 15.625C30.5957 15.625 27.4414 18.3105 26.7188 21.875H1.5625C0.703125 21.875 0 22.5781 0 23.4375C0 24.2969 0.703125 25 1.5625 25H26.7188C27.4414 28.5645 30.5957 31.25 34.375 31.25C38.1543 31.25 41.3086 28.5645 42.0312 25H48.4375C49.2969 25 50 24.2969 50 23.4375C50 22.5781 49.2969 21.875 48.4375 21.875H42.0312C41.3086 18.3105 38.1543 15.625 34.375 15.625ZM18.75 12.5C17.5068 12.5 16.3145 12.0061 15.4354 11.1271C14.5564 10.248 14.0625 9.0557 14.0625 7.8125C14.0625 6.5693 14.5564 5.37701 15.4354 4.49794C16.3145 3.61886 17.5068 3.125 18.75 3.125C19.9932 3.125 21.1855 3.61886 22.0646 4.49794C22.9436 5.37701 23.4375 6.5693 23.4375 7.8125C23.4375 9.0557 22.9436 10.248 22.0646 11.1271C21.1855 12.0061 19.9932 12.5 18.75 12.5ZM26.4062 6.25C25.6836 2.68555 22.5293 0 18.75 0C14.9707 0 11.8164 2.68555 11.0937 6.25H1.5625C0.703125 6.25 0 6.95312 0 7.8125C0 8.67188 0.703125 9.375 1.5625 9.375H11.0937C11.8164 12.9395 14.9707 15.625 18.75 15.625C22.5293 15.625 25.6836 12.9395 26.4062 9.375H48.4375C49.2969 9.375 50 8.67188 50 7.8125C50 6.95312 49.2969 6.25 48.4375 6.25H26.4062Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"with-visible-link has-secondary-color has-text-color has-link-color wp-elements-c72115bb7eadee4d4132757ab2b8cac0 wp-block-paragraph\">Champs illimit\u00e9s, menus configurables, tableau de bord, paiements et rapports personnalis\u00e9s : le Gestionnaire de Pr\u00eats Margill s\u2019adapte \u00e0 vos processus. Contactez un sp\u00e9cialiste pour en savoir plus.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-item has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6401310b wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group accordeon-trigger is-nowrap is-layout-flex wp-container-core-group-is-layout-386644f7 wp-block-group-is-layout-flex\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:5px\">\n<div class=\"wp-block-outermost-icon-block accordeon-arrow\"><div class=\"icon-container\" style=\"width:16px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"13\" height=\"7\" viewBox=\"0 0 13 7\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M6.7437 6.55514C6.40197 6.83876 5.847 6.83876 5.50527 6.55514L0.256297 2.19879C-0.0854331 1.91517 -0.085433 1.45458 0.256297 1.17096C0.598027 0.887347 1.153 0.887347 1.49473 1.17096L6.12585 5.01454L10.757 1.17323C11.0987 0.889617 11.6537 0.889617 11.9954 1.17323C12.3371 1.45685 12.3371 1.91744 11.9954 2.20106L6.74644 6.55741L6.7437 6.55514Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-secondary-color has-text-color has-link-color has-medium-font-size wp-elements-22b2d1e8be5e22227b34db1671d2a078\" style=\"font-style:normal;font-weight:400\">Du soutien technique in\u00e9gal\u00e9<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group accordeon-target has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-9baa9b4c wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-59ee8185 wp-block-group-is-layout-constrained\" style=\"border-bottom-color:var(--wp--preset--color--secondary);border-bottom-width:1px;padding-bottom:20px\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:50px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"50\" height=\"40\" viewBox=\"0 0 50 40\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M17.5 2.5C18.4849 2.5 19.4602 2.69399 20.3701 3.0709C21.2801 3.44781 22.1069 4.00026 22.8033 4.6967C23.4997 5.39314 24.0522 6.21993 24.4291 7.12987C24.806 8.03982 25 9.01509 25 10C25 10.9849 24.806 11.9602 24.4291 12.8701C24.0522 13.7801 23.4997 14.6069 22.8033 15.3033C22.1069 15.9997 21.2801 16.5522 20.3701 16.9291C19.4602 17.306 18.4849 17.5 17.5 17.5C16.5151 17.5 15.5398 17.306 14.6299 16.9291C13.7199 16.5522 12.8931 15.9997 12.1967 15.3033C11.5003 14.6069 10.9478 13.7801 10.5709 12.8701C10.194 11.9602 10 10.9849 10 10C10 9.01509 10.194 8.03982 10.5709 7.12987C10.9478 6.21993 11.5003 5.39314 12.1967 4.6967C12.8931 4.00026 13.7199 3.44781 14.6299 3.0709C15.5398 2.69399 16.5151 2.5 17.5 2.5ZM17.5 20C20.1522 20 22.6957 18.9464 24.5711 17.0711C26.4464 15.1957 27.5 12.6522 27.5 10C27.5 7.34784 26.4464 4.8043 24.5711 2.92893C22.6957 1.05357 20.1522 0 17.5 0C14.8478 0 12.3043 1.05357 10.4289 2.92893C8.55357 4.8043 7.5 7.34784 7.5 10C7.5 12.6522 8.55357 15.1957 10.4289 17.0711C12.3043 18.9464 14.8478 20 17.5 20ZM13.9297 26.25H21.0703C27.3203 26.25 32.3984 31.2734 32.5 37.5H2.5C2.59375 31.2734 7.67188 26.25 13.9297 26.25ZM13.9297 23.75C6.23438 23.75 0 29.9844 0 37.6797C0 38.9609 1.03906 40 2.32031 40H32.6797C33.9609 40 35 38.9609 35 37.6797C35 29.9844 28.7656 23.75 21.0703 23.75H13.9297ZM40 23.75C40 24.4375 40.5625 25 41.25 25C41.9375 25 42.5 24.4375 42.5 23.75V17.5H48.75C49.4375 17.5 50 16.9375 50 16.25C50 15.5625 49.4375 15 48.75 15H42.5V8.75C42.5 8.0625 41.9375 7.5 41.25 7.5C40.5625 7.5 40 8.0625 40 8.75V15H33.75C33.0625 15 32.5 15.5625 32.5 16.25C32.5 16.9375 33.0625 17.5 33.75 17.5H40V23.75Z\" fill=\"#518F54\"><\/path><\/svg><\/div><\/div>\n<\/div>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-b35f54d8231b821b22e68f3120162206 wp-block-paragraph\">L\u2019\u00e9quipe de Margill est compos\u00e9e de programmeurs seniors et juniors, d\u2019avocats ainsi que de consultants ind\u00e9pendants. Lorsqu\u2019il est question de calculs complexes et de gestion de pr\u00eats, nous sommes les sp\u00e9cialistes tout d\u00e9sign\u00e9s.\u00a0\u00bb<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/margill.com\/fr\/a-propos\/our-company\/\">\u00c0 propos de Margill<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-blanc-casse-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-67e51b7a wp-block-group-is-layout-constrained\" style=\"padding-top:4rem;padding-right:2rem;padding-bottom:4rem;padding-left:2rem\">\n<div class=\"wp-block-group alignwide tw-grid-cols-1 tw-gap-x-0 md:tw-grid-cols-12 md:tw-gap-x-[50px] is-layout-grid wp-container-core-group-is-layout-b439bbf5 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group tw-order-2 md:tw-order-1 wp-container-content-65454f2f is-nowrap is-layout-flex wp-container-core-group-is-layout-9baa9b4c wp-block-group-is-layout-flex\">\n<div class=\"wp-block-query is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"columns-2  home-news wp-block-post-template is-layout-grid wp-container-core-post-template-is-layout-80779d9d wp-block-post-template-is-layout-grid\"><li class=\"wp-block-post post-22036 post type-post status-publish format-standard hentry category-margill-et-actualites\">\n<h2 style=\"font-style:normal;font-weight:500;line-height:1.4; padding-top:0;padding-bottom:0;margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-bd1f710d0a34e144fecf4cf94ab79d14 wp-block-post-title has-text-color has-secondary-color has-small-font-size\"><a href=\"https:\/\/margill.com\/fr\/accelerer-lautomatisation-en-gestion-de-prets\/\" target=\"_self\" >Acc\u00e9l\u00e9rer l\u2019automatisation en gestion de pr\u00eats<\/a><\/h2>\n\n<div class=\"has-link-color wp-elements-fdce464741ec34da1144b8b9772f3d26 wp-block-post-date has-text-color has-secondary-color has-xsmall-font-size\"><time datetime=\"2026-02-05T09:57:28-05:00\">5 f\u00e9vrier 2026<\/time><\/div>\n\n<a class=\"wp-block-read-more\" href=\"https:\/\/margill.com\/fr\/accelerer-lautomatisation-en-gestion-de-prets\/\" target=\"_self\">Lire la suite<span class=\"screen-reader-text\">\u00a0: Acc\u00e9l\u00e9rer l\u2019automatisation en gestion de pr\u00eats<\/span><\/a>\n<\/li><li class=\"wp-block-post post-22005 post type-post status-publish format-standard hentry category-base-de-connaissances category-gestionnaire-de-prets-margill\">\n<h2 style=\"font-style:normal;font-weight:500;line-height:1.4; padding-top:0;padding-bottom:0;margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-bd1f710d0a34e144fecf4cf94ab79d14 wp-block-post-title has-text-color has-secondary-color has-small-font-size\"><a href=\"https:\/\/margill.com\/fr\/activer-le-planificateur-de-taches-windows-pour-generer-des-rapports-automatiques\/\" target=\"_self\" >Activer le Planificateur de t\u00e2ches Windows pour g\u00e9n\u00e9rer des Rapports automatiques<\/a><\/h2>\n\n<div class=\"has-link-color wp-elements-fdce464741ec34da1144b8b9772f3d26 wp-block-post-date has-text-color has-secondary-color has-xsmall-font-size\"><time datetime=\"2026-02-04T15:47:32-05:00\">4 f\u00e9vrier 2026<\/time><\/div>\n\n<a class=\"wp-block-read-more\" href=\"https:\/\/margill.com\/fr\/activer-le-planificateur-de-taches-windows-pour-generer-des-rapports-automatiques\/\" target=\"_self\">Lire la suite<span class=\"screen-reader-text\">\u00a0: Activer le Planificateur de t\u00e2ches Windows pour g\u00e9n\u00e9rer des Rapports automatiques<\/span><\/a>\n<\/li><li class=\"wp-block-post post-22003 post type-post status-publish format-standard hentry category-base-de-connaissances category-gestionnaire-de-prets-margill\">\n<h2 style=\"font-style:normal;font-weight:500;line-height:1.4; padding-top:0;padding-bottom:0;margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-bd1f710d0a34e144fecf4cf94ab79d14 wp-block-post-title has-text-color has-secondary-color has-small-font-size\"><a href=\"https:\/\/margill.com\/fr\/activer-et-utiliser-les-rapports-automatiques-dans-le-gestionnaire-de-prets-margill\/\" target=\"_self\" >Activer et utiliser les rapports automatiques dans le Gestionnaire de Pr\u00eats Margill<\/a><\/h2>\n\n<div class=\"has-link-color wp-elements-fdce464741ec34da1144b8b9772f3d26 wp-block-post-date has-text-color has-secondary-color has-xsmall-font-size\"><time datetime=\"2026-02-04T15:31:14-05:00\">4 f\u00e9vrier 2026<\/time><\/div>\n\n<a class=\"wp-block-read-more\" href=\"https:\/\/margill.com\/fr\/activer-et-utiliser-les-rapports-automatiques-dans-le-gestionnaire-de-prets-margill\/\" target=\"_self\">Lire la suite<span class=\"screen-reader-text\">\u00a0: Activer et utiliser les rapports automatiques dans le Gestionnaire de Pr\u00eats Margill<\/span><\/a>\n<\/li><li class=\"wp-block-post post-21844 post type-post status-publish format-standard hentry category-base-de-connaissances category-gestionnaire-de-prets-margill category-margill-et-actualites\">\n<h2 style=\"font-style:normal;font-weight:500;line-height:1.4; padding-top:0;padding-bottom:0;margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-bd1f710d0a34e144fecf4cf94ab79d14 wp-block-post-title has-text-color has-secondary-color has-small-font-size\"><a href=\"https:\/\/margill.com\/fr\/le-gestionnaire-de-prets-6-0-est-maintenant-disponible-et-le-nouveau-site-web-est-enfin-en-ligne\/\" target=\"_self\" >Le Gestionnaire de Pr\u00eats 6.0 est maintenant disponible \u2014 et le nouveau site Web est enfin en ligne\u202f!<\/a><\/h2>\n\n<div class=\"has-link-color wp-elements-fdce464741ec34da1144b8b9772f3d26 wp-block-post-date has-text-color has-secondary-color has-xsmall-font-size\"><time datetime=\"2026-01-23T14:11:00-05:00\">23 janvier 2026<\/time><\/div>\n\n<a class=\"wp-block-read-more\" href=\"https:\/\/margill.com\/fr\/le-gestionnaire-de-prets-6-0-est-maintenant-disponible-et-le-nouveau-site-web-est-enfin-en-ligne\/\" target=\"_self\">Lire la suite<span class=\"screen-reader-text\">\u00a0: Le Gestionnaire de Pr\u00eats 6.0 est maintenant disponible \u2014 et le nouveau site Web est enfin en ligne\u202f!<\/span><\/a>\n<\/li><li class=\"wp-block-post post-21171 post type-post status-publish format-standard hentry category-gestionnaire-de-prets-margill-documentation category-gestionnaire-de-prets-margill\">\n<h2 style=\"font-style:normal;font-weight:500;line-height:1.4; padding-top:0;padding-bottom:0;margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-bd1f710d0a34e144fecf4cf94ab79d14 wp-block-post-title has-text-color has-secondary-color has-small-font-size\"><a href=\"https:\/\/margill.com\/fr\/les-cld-et-mrc-qui-utilisent-le-gestionnaire-de-prets-margill\/\" target=\"_self\" >Les CLD et MRC qui utilisent le Gestionnaire de Pr\u00eats Margill<\/a><\/h2>\n\n<div class=\"has-link-color wp-elements-fdce464741ec34da1144b8b9772f3d26 wp-block-post-date has-text-color has-secondary-color has-xsmall-font-size\"><time datetime=\"2025-11-19T09:07:33-05:00\">19 novembre 2025<\/time><\/div>\n\n<a class=\"wp-block-read-more\" href=\"https:\/\/margill.com\/fr\/les-cld-et-mrc-qui-utilisent-le-gestionnaire-de-prets-margill\/\" target=\"_self\">Lire la suite<span class=\"screen-reader-text\">\u00a0: Les CLD et MRC qui utilisent le Gestionnaire de Pr\u00eats Margill<\/span><\/a>\n<\/li><li class=\"wp-block-post post-21168 post type-post status-publish format-standard hentry category-base-de-connaissances category-gestionnaire-de-prets-margill category-gestionnaire-de-prets-margill-webinaires\">\n<h2 style=\"font-style:normal;font-weight:500;line-height:1.4; padding-top:0;padding-bottom:0;margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-bd1f710d0a34e144fecf4cf94ab79d14 wp-block-post-title has-text-color has-secondary-color has-small-font-size\"><a href=\"https:\/\/margill.com\/fr\/webinaire-quoi-de-neuf-dans-la-version-5-6\/\" target=\"_self\" >Webinaire &#8211; Quoi de neuf dans la version 5.6<\/a><\/h2>\n\n<div class=\"has-link-color wp-elements-fdce464741ec34da1144b8b9772f3d26 wp-block-post-date has-text-color has-secondary-color has-xsmall-font-size\"><time datetime=\"2025-11-19T08:43:28-05:00\">19 novembre 2025<\/time><\/div>\n\n<a class=\"wp-block-read-more\" href=\"https:\/\/margill.com\/fr\/webinaire-quoi-de-neuf-dans-la-version-5-6\/\" target=\"_self\">Lire la suite<span class=\"screen-reader-text\">\u00a0: Webinaire &#8211; Quoi de neuf dans la version 5.6<\/span><\/a>\n<\/li><\/ul><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group tw-order-1 md:tw-order-2 is-style-rounded-corners-small wp-container-content-5608d6e0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-style-rounded-corners-small has-secondary-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:50px;padding-right:45px;padding-bottom:50px;padding-left:45px\">\n<h2 class=\"wp-block-heading has-white-color has-text-color has-link-color has-xx-large-font-size wp-elements-1162975eefc5c4c90955aec6b07c4a04\" style=\"font-style:normal;font-weight:300;line-height:0.9\"><strong>Margill<\/strong> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">&#8211; Actualit\u00e9s<\/mark> de l&rsquo;industrie<\/h2>\n\n\n\n<p class=\"has-blanc-casse-color has-text-color has-link-color has-medium-font-size wp-elements-4f8400ef3ff3c582293a0f150b3700fe wp-block-paragraph\" style=\"line-height:1.36\">Soyez \u00e0 l\u2019aff\u00fbt des derni\u00e8res innovations, des nouveaut\u00e9s Margill, des tendances du secteur et des mises \u00e0 jour logicielles.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/margill.com\/fr\/knowledge-bases\/nouvelles-de-margill-et-de-lindustrie\/\">Plus de nouvelles<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-grey-1-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-8a0c28ac wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:4rem;padding-right:2rem;padding-bottom:4rem;padding-left:2rem\">\n<div class=\"wp-block-group alignwide tw-grid-cols-1 tw-gap-x-0 md:tw-grid-cols-12 md:tw-gap-x-[50px] is-layout-grid wp-container-core-group-is-layout-b439bbf5 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group tw-col-span-12 tw-self-center md:tw-col-span-5 wp-container-content-5608d6e0 is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-style-rounded-corners-small has-white-background-color has-background is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-945218ba wp-block-group-is-layout-flex\" style=\"padding-top:50px;padding-right:45px;padding-bottom:50px;padding-left:45px\">\n<h2 class=\"wp-block-heading has-secondary-color has-text-color has-link-color has-xx-large-font-size wp-elements-5b3b8ea056774a09a23d84725a7343f0\" style=\"font-style:normal;font-weight:700;letter-spacing:-0.02em;line-height:1.1\">T\u00e9moignages<\/h2>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color has-medium-font-size wp-elements-3c5b721c2efd26f410befc7d17b25678 wp-block-paragraph\" style=\"line-height:1.36\">D\u00e9couvrez les t\u00e9moignages de nos utilisateurs et leur exp\u00e9rience, au-del\u00e0 des attentes, avec nos produits et services<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/margill.com\/fr\/a-propos\/temoignages\/\">Voir les t\u00e9moignages<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group tw-col-span-12 md:tw-col-span-7 wp-container-content-65454f2f has-global-padding is-layout-constrained wp-container-core-group-is-layout-1bdaca10 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-query is-layout-flow wp-block-query-is-layout-flow\"><ul class=\"home-testimonials-list wp-block-post-template is-layout-flow wp-container-core-post-template-is-layout-a86f55de wp-block-post-template-is-layout-flow\"><li class=\"wp-block-post post-20003 margill_testimonials type-margill_testimonials status-publish hentry clients_testimonials_tax-calculateur-dinterets-margill\">\n\n<div class=\"wp-block-outermost-icon-block items-justified-center\"><div class=\"icon-container\" style=\"width:73px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"74\" height=\"14\" viewBox=\"0 0 74 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M7.00253 0.777832L9.10496 4.76394L13.5456 5.532L10.4029 8.76221L11.0445 13.2223L7.00253 11.2341L2.95808 13.2223L3.59975 8.76221L0.459473 5.532L4.89767 4.76394L7.00253 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M22.0025 0.777832L24.105 4.76394L28.5456 5.532L25.4029 8.76221L26.0445 13.2223L22.0025 11.2341L17.9581 13.2223L18.5998 8.76221L15.4595 5.532L19.8977 4.76394L22.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M37.0025 0.777832L39.105 4.76394L43.5456 5.532L40.4029 8.76221L41.0445 13.2223L37.0025 11.2341L32.9581 13.2223L33.5998 8.76221L30.4595 5.532L34.8977 4.76394L37.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M52.0025 0.777832L54.105 4.76394L58.5456 5.532L55.4029 8.76221L56.0445 13.2223L52.0025 11.2341L47.9581 13.2223L48.5998 8.76221L45.4595 5.532L49.8977 4.76394L52.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M67.0025 0.777832L69.105 4.76394L73.5456 5.532L70.4029 8.76221L71.0445 13.2223L67.0025 11.2341L62.9581 13.2223L63.5998 8.76221L60.4595 5.532L64.8977 4.76394L67.0025 0.777832Z\" fill=\"#F86700\"><\/path><\/svg><\/div><\/div>\n\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">L\u2019utilisation du logiciel Margill m\u2019a permis de diminuer de fa\u00e7on significative mon temps de pr\u00e9paration des tableaux d\u2019amortissement de pr\u00eats pour les dossiers de mes clients, en plus d\u2019avoir la flexibilit\u00e9, en un clin-d\u2019oeil, de modifier tous les param\u00e8tres relativement aux pr\u00eats.  Je suis donc en mesure de fournir une information pr\u00e9cise dans des d\u00e9lais tr\u00e8s rapproch\u00e9s, ce qui satisfait mes clients.  Je ne peux que le recommander \u00e0 quiconque doit pr\u00e9senter une information financi\u00e8re rapidement pour sa client\u00e8le de m\u00eame qu\u2019aux divers lecteurs d\u2019\u00e9tats financiers.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Serge R. Lafortune,<strong> CPA, CGA Prosomo \u2013 Finances<\/strong><\/p>\n<\/div>\n<\/div>\n<\/li><li class=\"wp-block-post post-20002 margill_testimonials type-margill_testimonials status-publish hentry clients_testimonials_tax-calculateur-dinterets-margill\">\n\n<div class=\"wp-block-outermost-icon-block items-justified-center\"><div class=\"icon-container\" style=\"width:73px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"74\" height=\"14\" viewBox=\"0 0 74 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M7.00253 0.777832L9.10496 4.76394L13.5456 5.532L10.4029 8.76221L11.0445 13.2223L7.00253 11.2341L2.95808 13.2223L3.59975 8.76221L0.459473 5.532L4.89767 4.76394L7.00253 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M22.0025 0.777832L24.105 4.76394L28.5456 5.532L25.4029 8.76221L26.0445 13.2223L22.0025 11.2341L17.9581 13.2223L18.5998 8.76221L15.4595 5.532L19.8977 4.76394L22.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M37.0025 0.777832L39.105 4.76394L43.5456 5.532L40.4029 8.76221L41.0445 13.2223L37.0025 11.2341L32.9581 13.2223L33.5998 8.76221L30.4595 5.532L34.8977 4.76394L37.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M52.0025 0.777832L54.105 4.76394L58.5456 5.532L55.4029 8.76221L56.0445 13.2223L52.0025 11.2341L47.9581 13.2223L48.5998 8.76221L45.4595 5.532L49.8977 4.76394L52.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M67.0025 0.777832L69.105 4.76394L73.5456 5.532L70.4029 8.76221L71.0445 13.2223L67.0025 11.2341L62.9581 13.2223L63.5998 8.76221L60.4595 5.532L64.8977 4.76394L67.0025 0.777832Z\" fill=\"#F86700\"><\/path><\/svg><\/div><\/div>\n\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">Je tiens \u00e0 vous remercier pour les ann\u00e9es pass\u00e9es et la relation b\u00e9n\u00e9fique que nous avons eu avec votre entreprise.  Vous founissez un logiciel pr\u00e9cieux et votre soutien a toujours \u00e9t\u00e9 rapide, professionnel et courtois.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Craig P. Christiansen <strong>Directeur Services Information Danville Corporations<\/strong><\/p>\n<\/div>\n<\/div>\n<\/li><li class=\"wp-block-post post-20001 margill_testimonials type-margill_testimonials status-publish hentry clients_testimonials_tax-calculateur-dinterets-margill\">\n\n<div class=\"wp-block-outermost-icon-block items-justified-center\"><div class=\"icon-container\" style=\"width:73px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"74\" height=\"14\" viewBox=\"0 0 74 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M7.00253 0.777832L9.10496 4.76394L13.5456 5.532L10.4029 8.76221L11.0445 13.2223L7.00253 11.2341L2.95808 13.2223L3.59975 8.76221L0.459473 5.532L4.89767 4.76394L7.00253 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M22.0025 0.777832L24.105 4.76394L28.5456 5.532L25.4029 8.76221L26.0445 13.2223L22.0025 11.2341L17.9581 13.2223L18.5998 8.76221L15.4595 5.532L19.8977 4.76394L22.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M37.0025 0.777832L39.105 4.76394L43.5456 5.532L40.4029 8.76221L41.0445 13.2223L37.0025 11.2341L32.9581 13.2223L33.5998 8.76221L30.4595 5.532L34.8977 4.76394L37.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M52.0025 0.777832L54.105 4.76394L58.5456 5.532L55.4029 8.76221L56.0445 13.2223L52.0025 11.2341L47.9581 13.2223L48.5998 8.76221L45.4595 5.532L49.8977 4.76394L52.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M67.0025 0.777832L69.105 4.76394L73.5456 5.532L70.4029 8.76221L71.0445 13.2223L67.0025 11.2341L62.9581 13.2223L63.5998 8.76221L60.4595 5.532L64.8977 4.76394L67.0025 0.777832Z\" fill=\"#F86700\"><\/path><\/svg><\/div><\/div>\n\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">Nous avons r\u00e9cemment chang\u00e9 notre logiciel de calcul d\u2019int\u00e9r\u00eat \u00e0 Margill et nous sommes ravis par sa flexibilit\u00e9 et ses rapports.  Il est remarquablement intuitif et par cons\u00e9quent, facile \u00e0 utiliser.  Nous sommes un cabinet comptable de petite taille et des utilisateurs assez exigeants et trouvons que Margill produit d\u2019excellents documents de travail et fournit un large \u00e9ventail d\u2019options.  Nous ne pouvons pas assez le recommander.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Reid Fraser, <strong>Associ\u00e9 Colin Fraser Financial Service Ltd.<\/strong><\/p>\n<\/div>\n<\/div>\n<\/li><li class=\"wp-block-post post-20000 margill_testimonials type-margill_testimonials status-publish hentry clients_testimonials_tax-calculateur-dinterets-margill\">\n\n<div class=\"wp-block-outermost-icon-block items-justified-center\"><div class=\"icon-container\" style=\"width:73px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"74\" height=\"14\" viewBox=\"0 0 74 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M7.00253 0.777832L9.10496 4.76394L13.5456 5.532L10.4029 8.76221L11.0445 13.2223L7.00253 11.2341L2.95808 13.2223L3.59975 8.76221L0.459473 5.532L4.89767 4.76394L7.00253 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M22.0025 0.777832L24.105 4.76394L28.5456 5.532L25.4029 8.76221L26.0445 13.2223L22.0025 11.2341L17.9581 13.2223L18.5998 8.76221L15.4595 5.532L19.8977 4.76394L22.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M37.0025 0.777832L39.105 4.76394L43.5456 5.532L40.4029 8.76221L41.0445 13.2223L37.0025 11.2341L32.9581 13.2223L33.5998 8.76221L30.4595 5.532L34.8977 4.76394L37.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M52.0025 0.777832L54.105 4.76394L58.5456 5.532L55.4029 8.76221L56.0445 13.2223L52.0025 11.2341L47.9581 13.2223L48.5998 8.76221L45.4595 5.532L49.8977 4.76394L52.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M67.0025 0.777832L69.105 4.76394L73.5456 5.532L70.4029 8.76221L71.0445 13.2223L67.0025 11.2341L62.9581 13.2223L63.5998 8.76221L60.4595 5.532L64.8977 4.76394L67.0025 0.777832Z\" fill=\"#F86700\"><\/path><\/svg><\/div><\/div>\n\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">Ce logiciel n\u2019est pas comme les autres.  Il permet de modifier les montants, les dates des mensualit\u00e9s et tout se fait avec rapidit\u00e9.  C\u2019est un excellent logiciel surtout pour les professions juridiques ou autres.  Je le recommande vivement \u00e0 tout organisme professionnel.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Alain Direz (France)<\/p>\n<\/div>\n<\/div>\n<\/li><li class=\"wp-block-post post-19998 margill_testimonials type-margill_testimonials status-publish hentry clients_testimonials_tax-calculateur-dinterets-margill-droit\">\n\n<div class=\"wp-block-outermost-icon-block items-justified-center\"><div class=\"icon-container\" style=\"width:73px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"74\" height=\"14\" viewBox=\"0 0 74 14\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M7.00253 0.777832L9.10496 4.76394L13.5456 5.532L10.4029 8.76221L11.0445 13.2223L7.00253 11.2341L2.95808 13.2223L3.59975 8.76221L0.459473 5.532L4.89767 4.76394L7.00253 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M22.0025 0.777832L24.105 4.76394L28.5456 5.532L25.4029 8.76221L26.0445 13.2223L22.0025 11.2341L17.9581 13.2223L18.5998 8.76221L15.4595 5.532L19.8977 4.76394L22.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M37.0025 0.777832L39.105 4.76394L43.5456 5.532L40.4029 8.76221L41.0445 13.2223L37.0025 11.2341L32.9581 13.2223L33.5998 8.76221L30.4595 5.532L34.8977 4.76394L37.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M52.0025 0.777832L54.105 4.76394L58.5456 5.532L55.4029 8.76221L56.0445 13.2223L52.0025 11.2341L47.9581 13.2223L48.5998 8.76221L45.4595 5.532L49.8977 4.76394L52.0025 0.777832Z\" fill=\"#F86700\"><\/path><path d=\"M67.0025 0.777832L69.105 4.76394L73.5456 5.532L70.4029 8.76221L71.0445 13.2223L67.0025 11.2341L62.9581 13.2223L63.5998 8.76221L60.4595 5.532L64.8977 4.76394L67.0025 0.777832Z\" fill=\"#F86700\"><\/path><\/svg><\/div><\/div>\n\n\n<div class=\"entry-content wp-block-post-content is-layout-flow wp-block-post-content-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-center has-medium-font-size wp-block-paragraph\">Margill fonctionne \u00e0 merveille.  Le logiciel effectue les calculs parfaitement tout en gardant l\u2019oeil ouvert pour les mises \u00e0 jour des taux d\u2019int\u00e9r\u00eat.  Lorsque nous avions des questionnements par rapport \u00e0 Margill, l\u2019\u00e9quipe de soutien \u00e9tait efficace et d\u00e9di\u00e9e \u00e0 nous aider rapidement.<br\/>Un produit cinq \u00e9toiles !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Francis Lessard<strong>,  Administrateur de r\u00e9seau Donati Maisonneuve<\/strong><\/p>\n<\/div>\n<\/div>\n<\/li><\/ul><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-4c30e92d wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:2rem;padding-right:1.96rem;padding-bottom:2rem;padding-left:1.96rem\">\n<h2 class=\"wp-block-heading has-text-align-center alignwide has-secondary-color has-text-color has-link-color has-large-font-size wp-elements-987665576c8975b1ccadf95cca59891b\" style=\"font-style:normal;font-weight:400\">Quelques clients<\/h2>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-flow wp-block-group-is-layout-flow\">\n<figure class=\"wp-block-gallery has-nested-images columns-6 gallery-clients wp-block-gallery-6 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"203\" height=\"75\" data-id=\"17715\" src=\"\/wp-content\/uploads\/2025\/02\/up-75.jpg\" alt=\"\" class=\"wp-image-17715\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"175\" height=\"75\" data-id=\"17713\" src=\"\/wp-content\/uploads\/2025\/02\/safidi175x75.jpg\" alt=\"\" class=\"wp-image-17713\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"264\" height=\"75\" data-id=\"17711\" src=\"\/wp-content\/uploads\/2025\/02\/logo-rvc-sm.jpg\" alt=\"\" class=\"wp-image-17711\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"75\" data-id=\"17705\" src=\"\/wp-content\/uploads\/2025\/02\/lendable.jpg\" alt=\"\" class=\"wp-image-17705\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"275\" height=\"75\" data-id=\"17709\" src=\"\/wp-content\/uploads\/2025\/02\/logo-mpf-sm.jpg\" alt=\"\" class=\"wp-image-17709\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"297\" height=\"75\" data-id=\"17707\" src=\"\/wp-content\/uploads\/2025\/02\/logo-asc-sm.jpg\" alt=\"\" class=\"wp-image-17707\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"349\" height=\"75\" data-id=\"17699\" src=\"\/wp-content\/uploads\/2025\/02\/jur-logo-rockymountainchocolate.jpg\" alt=\"\" class=\"wp-image-17699\" srcset=\"https:\/\/margill.com\/wp-content\/uploads\/2025\/02\/jur-logo-rockymountainchocolate.jpg 349w, https:\/\/margill.com\/wp-content\/uploads\/2025\/02\/jur-logo-rockymountainchocolate-300x64.jpg 300w\" sizes=\"auto, (max-width: 349px) 100vw, 349px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"186\" height=\"75\" data-id=\"17697\" src=\"\/wp-content\/uploads\/2025\/02\/eclof-75.jpg\" alt=\"\" class=\"wp-image-17697\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"274\" height=\"75\" data-id=\"17695\" src=\"\/wp-content\/uploads\/2025\/02\/camco-75.jpg\" alt=\"\" class=\"wp-image-17695\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"259\" height=\"71\" data-id=\"17693\" src=\"\/wp-content\/uploads\/2025\/02\/AccessIndustries.jpg\" alt=\"\" class=\"wp-image-17693\"\/><\/figure>\n<\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-d70ed23c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-secondary-background-color has-background has-text-align-center wp-element-button\" href=\"https:\/\/margill.com\/fr\/a-propos\/nos-clients\/\">Voir la liste partielle de nos clients<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-c06ac057 wp-block-group-is-layout-constrained\">\n<section class=\"wp-block-group alignfull has-grey-1-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-1f0ad718 wp-block-group-is-layout-constrained\" style=\"margin-top:0;padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-60c18863 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-5680b8a3 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ff973003 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:60px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:clamp(1.25em, 1.25rem + ((1vw - 0.2em) * 1.071), 2em);\">Logiciel de gestion de pr\u00eats pour des <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">calculs d\u2019int\u00e9r\u00eats pr\u00e9cis<\/mark> et de <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">gestion de portefeuille<\/mark><\/h2>\n<\/div>\n<\/div>\n\n\n\n<p class=\"text-col-2 wp-block-paragraph\">Un pr\u00eateur priv\u00e9 a r\u00e9cemment d\u00e9couvert qu\u2019une simple erreur d\u2019arrondi dans un tableur avait gonfl\u00e9 les int\u00e9r\u00eats sur des centaines de pr\u00eats pendant plus d\u2019un an, sans \u00eatre d\u00e9tect\u00e9e avant un audit. La reconstitution des soldes a entra\u00een\u00e9 des mois de travail, une exposition juridique et des litiges.<br><br>Un <strong>logiciel de gestion de pr\u00eats<\/strong> d\u00e9di\u00e9 remplace ces outils fragiles par un moteur de calcul contr\u00f4l\u00e9, assurant des calculs d\u2019int\u00e9r\u00eats reproductibles, v\u00e9rifiables et un contr\u00f4le centralis\u00e9 des portefeuilles.<br><br>Cette approche est devenue essentielle pour les institutions financi\u00e8res, pr\u00eateurs priv\u00e9s, fiduciaires, \u00e9quipes de finance d\u2019entreprise et cabinets juridiques qui doivent d\u00e9fendre leurs chiffres en audit, devant les tribunaux ou aupr\u00e8s des investisseurs.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-blanc-casse-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-10e09257 wp-block-group-is-layout-constrained\" style=\"padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignwide is-layout-grid wp-container-core-group-is-layout-47c95d49 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignwide has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6b7e6f91 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ff973003 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:60px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:clamp(1.25rem, 1.25rem + ((1vw - 0.2rem) * 1.071), 2rem);\">Comment la gestion moderne des pr\u00eats <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">am\u00e9liore la pr\u00e9cision op\u00e9rationnelle<\/mark><\/h2>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La gestion des pr\u00eats couvre l\u2019accumulation des int\u00e9r\u00eats, l\u2019affectation des paiements, l\u2019application des frais et la mise \u00e0 jour continue des soldes sur l\u2019ensemble du cycle de vie d\u2019un pr\u00eat. Les processus manuels reposent sur des formules d\u00e9pendantes des utilisateurs, sujettes aux d\u00e9rives, aux erreurs silencieuses et aux incoh\u00e9rences entre fichiers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une plateforme de gestion de pr\u00eats remplace ces formules par un moteur centralis\u00e9 d\u2019accumulation des int\u00e9r\u00eats, garantissant une source de v\u00e9rit\u00e9 unique \u00e0 l\u2019\u00e9chelle du portefeuille. Cette logique centralis\u00e9e s\u2019appuie sur des conventions de calcul coh\u00e9rentes et peut \u00e9galement r\u00e9f\u00e9rencer des<a href=\"https:\/\/margill.com\/fr\/produits-services\/tables-de-taux-dinterets\/\"> <strong>tables de taux d\u2019int\u00e9r\u00eats officielles<\/strong><\/a> afin d\u2019assurer l\u2019uniformit\u00e9 des calculs sur l\u2019ensemble du portefeuille.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7d61f900 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-flow wp-container-core-group-is-layout-4eb97873 wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Le syst\u00e8me prend notamment en charge :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>l\u2019int\u00e9r\u00eat simple et compos\u00e9<\/li>\n\n\n\n<li>l\u2019accumulation quotidienne des int\u00e9r\u00eats<\/li>\n\n\n\n<li>les taux d\u2019int\u00e9r\u00eat fixe et variable<\/li>\n\n\n\n<li>la proratisation sur p\u00e9riodes partielles<\/li>\n\n\n\n<li>la gestion automatique des ann\u00e9es bissextiles<\/li>\n\n\n\n<li>les conventions de calcul R\u00e9el\/R\u00e9el, R\u00e9el\/365, 30\/360 et R\u00e9el\/360<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 la r\u00e9ception d\u2019un paiement, le moteur applique automatiquement les r\u00e8gles d\u2019affectation pr\u00e9d\u00e9finies sans alt\u00e9rer les soldes historiques. Cette continuit\u00e9 des calculs assure une stabilit\u00e9 du portefeuille, m\u00eame en cas de restructuration, d\u2019audit ou de litige.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-10e09257 wp-block-group-is-layout-constrained\" style=\"padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6b7e6f91 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ff973003 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:60px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:clamp(1.25rem, 1.25rem + ((1vw - 0.2rem) * 1.071), 2rem);\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">Capacit\u00e9s cl\u00e9s<\/mark> d\u2019un syst\u00e8me de gestion de pr\u00eats \u00e9volutif<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7d61f900 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-e17d749d wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Un syst\u00e8me de gestion de pr\u00eats d\u00e9finit le comportement des pr\u00eats de l\u2019octroi \u00e0 la cl\u00f4ture. Il normalise la logique contractuelle \u00e0 l\u2019\u00e9chelle des portefeuilles plut\u00f4t que de reconstruire les calculs pr\u00eat par pr\u00eat.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-82eb0e25 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Les fonctionnalit\u00e9s principales incluent :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les \u00e9ch\u00e9anciers d\u2019amortissement configurables<\/li>\n\n\n\n<li>l\u2019\u00e9volution des taux d\u2019int\u00e9r\u00eat dans le temps<\/li>\n\n\n\n<li>la gestion multi-devises<\/li>\n\n\n\n<li>les r\u00e8gles structur\u00e9es d\u2019affectation des paiements, connues sous le nom de cascade de paiements. Cette cascade d\u00e9termine comment chaque paiement est automatiquement r\u00e9parti entre int\u00e9r\u00eats, capital, p\u00e9nalit\u00e9s et frais selon la priorit\u00e9 contractuelle.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6693b158 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Chaque ajustement est consign\u00e9 avec un historique de complet de changements. Cela garantit la tra\u00e7abilit\u00e9 et emp\u00eache les \u00ab recalculs silencieux \u00bb impossibles \u00e0 auditer r\u00e9trospectivement. Pour une gestion centralis\u00e9e de ce type, des plateformes comme le<a href=\"https:\/\/margill.com\/fr\/produits-services\/gestionnaire-de-pret-margill\/\"> <strong>Gestionnaire de Pr\u00eats Margill<\/strong><\/a> permettent de remplacer les syst\u00e8mes fragment\u00e9s.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-blanc-casse-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-10e09257 wp-block-group-is-layout-constrained\" style=\"padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-60c18863 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-5680b8a3 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ff973003 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:60px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:clamp(1.25em, 1.25rem + ((1vw - 0.2em) * 1.071), 2em);\">Comment une gestion structur\u00e9e soutient le <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">contr\u00f4le financier<\/mark><\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide is-layout-grid wp-container-core-group-is-layout-47c95d49 wp-block-group-is-layout-grid\">\n<div class=\"wp-block-group is-layout-flow wp-container-core-group-is-layout-90a08ae9 wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Une gestion efficace des pr\u00eats ne se limite pas au traitement des transactions. Il s\u2019agit d\u2019une gestion continue des portefeuilles avec une visibilit\u00e9 financi\u00e8re en temps r\u00e9el.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-container-core-group-is-layout-4eb97873 wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Les \u00e9quipes financi\u00e8res suivent \u00e0 partir d\u2019un syst\u00e8me unique :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>les soldes en cours<\/li>\n\n\n\n<li>les int\u00e9r\u00eats courus et pay\u00e9s<\/li>\n\n\n\n<li>le capital pay\u00e9<\/li>\n\n\n\n<li>les tendances de retard<\/li>\n\n\n\n<li>les flux de tr\u00e9sorerie projet\u00e9s<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">L\u2019exposition au risque devient observable \u00e0 l\u2019\u00e9chelle du portefeuille, plut\u00f4t que dissimul\u00e9e dans des tableurs individuels. Les \u00e9carts sont identifi\u00e9s imm\u00e9diatement, et non apr\u00e8s des rapprochements de fin de mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les \u00e9quipes juridiques, cette structure permet de produire des calculs historiques d\u00e9fendables lors des litiges, proc\u00e9dures d\u2019ex\u00e9cution ou restructurations. Chaque chiffre peut \u00eatre reproduit avec la m\u00eame logique que celle utilis\u00e9e initialement.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-172bf624 wp-block-group-is-layout-constrained\" style=\"padding-top:2.33rem;padding-right:2rem;padding-bottom:2.33rem;padding-left:2rem\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-6a3d29b5 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ff973003 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:60px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:clamp(1.25rem, 1.25rem + ((1vw - 0.2rem) * 1.071), 2rem);\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-secondary-color\">\u00c0 quoi s\u2019attendre<\/mark> d\u2019une plateforme s\u00e9curis\u00e9e de gestion des pr\u00eats<\/h2>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7d61f900 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Une plateforme moderne de gestion des pr\u00eats relie la logique de calcul aux syst\u00e8mes comptables et de reporting via des API. Elle supprime la double saisie, synchronise automatiquement les soldes et garantit que les \u00e9tats financiers correspondent toujours aux donn\u00e9es de gestion.<\/p>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-82eb0e25 wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\"><strong>Les exigences techniques incluent :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le stockage chiffr\u00e9 des donn\u00e9es<\/li>\n\n\n\n<li>les permissions par r\u00f4les<\/li>\n\n\n\n<li>La journalisation des changements<\/li>\n\n\n\n<li>le reporting automatis\u00e9<\/li>\n\n\n\n<li>des logiques extensibles via des services des <a href=\"https:\/\/margill.com\/fr\/produits-services\/services-de-programmation-sur-mesure\/\"><strong>services de programmation sur mesure<\/strong><\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Cette architecture permet de g\u00e9rer aussi bien quelques dizaines que plusieurs dizaines de milliers de pr\u00eats sans modification structurelle, tout en maintenant un contr\u00f4le strict des portefeuilles.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-blanc-casse-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-10e09257 wp-block-group-is-layout-constrained\" style=\"padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-60c18863 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-5680b8a3 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-ff973003 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container\" style=\"width:60px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"43\" height=\"38\" viewBox=\"0 0 43 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.3334 38H18.0001C15.3334 25.3333 25.3334 25.3333 20.6667 22L16.0001 17.3333L16.6667 15.3333C18.0001 17.1111 21.8667 20.6667 24.0001 20.6667C27.3334 20.6667 24.0001 14.6667 24.0001 10.6667C24.0001 1.33333 33.3334 0 42.0001 0C42.5334 0.533333 39.1112 25.5556 37.3334 38Z\" fill=\"#F86700\"><\/path><path d=\"M18 23.8893C14.6667 20.5559 6 18.5559 0 30.5559C4.66667 33.2226 14 33.8893 18 23.8893Z\" fill=\"#009147\"><\/path><\/svg><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" style=\"font-size:clamp(1.25em, 1.25rem + ((1vw - 0.2em) * 1.071), 2em);\">&nbsp;<mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">Pourquoi une technologie centralis\u00e9e<\/mark> de gestion des pr\u00eats est essentielle<\/h2>\n<\/div>\n<\/div>\n\n\n\n<p class=\"text-col-2 wp-block-paragraph\">U\u00c0 mesure que la complexit\u00e9 des pr\u00eats, la r\u00e9glementation et la pression d\u2019audit augmentent, les tableurs deviennent des passifs juridiques. Un <strong>logiciel de gestion de pr\u00eats<\/strong> centralis\u00e9 remplace l\u2019incertitude par une logique contr\u00f4l\u00e9e, testable et \u00e9volutive.<br><br>Si les <a href=\"https:\/\/margill.com\/fr\/produits-services\/services-de-calcul-dinterets\/\">calculs d\u2019int\u00e9r\u00eats<\/a>, les restructurations ou les audits d\u00e9pendent encore de tableurs, il est peut-\u00eatre temps d\u2019\u00e9liminer ce risque \u00e0 la source.<\/p>\n\n\n\n<p class=\"text-col-2 wp-block-paragraph\"><\/p>\n<\/div>\n<\/section>\n<\/section>\n\n\n\n<section class=\"wp-block-group alignfull has-grey-1-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-cd823a20 wp-block-group-is-layout-constrained\" style=\"padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\">\n<h2 class=\"wp-block-heading has-text-align-center\">Questions fr\u00e9quentes sur <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">le logiciel de gestion de pr\u00eats<\/mark><\/h2>\n\n\n\n<div class=\"wp-block-group is-style-rounded-corners-small has-white-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-10e09257 wp-block-group-is-layout-constrained\" style=\"padding-top:2rem;padding-right:2rem;padding-bottom:2rem;padding-left:2rem\"><div  class=\"ewd-ufaq-faq-list ewd-ufaq-page-type-distinct ewd-ufaq-category-tabs-\" id='ewd-ufaq-faq-list'>\n\n\t<input type='hidden' name='show_on_load' value='' id='ewd-ufaq-show-on-load' \/>\n<input type='hidden' name='include_category' value='home' id='ewd-ufaq-include-category' \/>\n<input type='hidden' name='exclude_category' value='' id='ewd-ufaq-exclude-category' \/>\n<input type='hidden' name='orderby' value='title' id='ewd-ufaq-orderby' \/>\n<input type='hidden' name='order' value='asc' id='ewd-ufaq-order' \/>\n<input type='hidden' name='post_count' value='-1' id='ewd-ufaq-post-count' \/>\n<input type='hidden' name='current_url' value='\/fr\/wp-json\/wp\/v2\/pages\/19567' id='ewd-ufaq-current-url' \/>\n\t\n\t\n\t<div class='ewd-ufaq-faqs'>\n\n\t\t<div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21684-ldtnNeOWIN' data-post_id='21684'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\t\u00a0Un logiciel de gestion de pr\u00eat peut-il remplacer les syst\u00e8mes h\u00e9rit\u00e9s ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Oui. Les plateformes modernes sont con\u00e7ues pour remplacer les syst\u00e8mes h\u00e9rit\u00e9s fragment\u00e9s reposant sur du code ancien ou des modules d\u00e9connect\u00e9s. La migration consiste g\u00e9n\u00e9ralement \u00e0 importer les donn\u00e9es historiques dans le nouveau moteur de calcul. Une fois op\u00e9rationnel, le nouveau syst\u00e8me centralise la gestion, le reporting et l\u2019int\u00e9gration comptable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si les syst\u00e8mes h\u00e9rit\u00e9s limitent la visibilit\u00e9 ou la fiabilit\u00e9 des audits, une migration vers une plateforme moderne peut r\u00e9duire rapidement le risque op\u00e9rationnel.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21687-611CYlKwFH' data-post_id='21687'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tCombien co\u00fbte un logiciel de gestion de pr\u00eats ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Le co\u00fbt varie g\u00e9n\u00e9ralement selon la taille du portefeuille, l\u2019\u00e9tendue des fonctionnalit\u00e9s et les besoins d\u2019int\u00e9gration. Deux options sont g\u00e9n\u00e9ralement disponibles : abonnement mensuel d\u2019un logiciel service disponible dans le nuage (Cloud \/ SAAS) ou licence avec installation locale sur un serveur d\u2019entreprise ou disque partag\u00e9. Les tarifs \u00e9voluent en fonction du nombre de pr\u00eats, d\u2019utilisateurs et d\u2019int\u00e9grations requises.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une tarification transparente align\u00e9e sur la taille du portefeuille permet d\u2019\u00e9valuer clairement le retour sur investissement avant le d\u00e9ploiement.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21681-Bm0hUAZ00C' data-post_id='21681'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tComment le logiciel g\u00e8re-t-il les remboursements anticip\u00e9s et les paiements partiels ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Le logiciel applique les remboursements anticip\u00e9s et les paiements partiels via sa logique d\u2019affectation automatis\u00e9e. Lorsqu\u2019un emprunteur paie plus que pr\u00e9vu ou seulement une partie du montant exigible, le syst\u00e8me recalcule automatiquement les int\u00e9r\u00eats, le capital et les soldes restants. L\u2019impact sur l\u2019accumulation future des int\u00e9r\u00eats est instantan\u00e9ment pris en compte selon les r\u00e8gles contractuelles. Un remboursement anticip\u00e9 peut par exemple r\u00e9duire le capital et l\u2019exposition future aux int\u00e9r\u00eats sans modifier les int\u00e9r\u00eats pass\u00e9s.<br><\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21683-4jH1rv6YcX' data-post_id='21683'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tComment le logiciel soutient-il les audits et la conformit\u00e9 r\u00e9glementaire ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Les auditeurs exigent une transparence compl\u00e8te sur l\u2019origine des donn\u00e9es financi\u00e8res. Le logiciel fournit une piste d\u2019audit exhaustive pour chaque calcul et chaque modification. Les changements de taux, paiements, restructurations et recalculs sont consign\u00e9s avec l\u2019horodatage et l\u2019identit\u00e9 de l\u2019utilisateur. Pour les institutions r\u00e9glement\u00e9es, cette tra\u00e7abilit\u00e9 est essentielle, en contexte d\u2019audit ou de litige. Les auditeurs acc\u00e8dent ainsi \u00e0 un historique coh\u00e9rent et v\u00e9rifiable.<br><\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21680-MbSJXWPRPI' data-post_id='21680'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tComment les \u00e9quipes financi\u00e8res suivent-elles la performance d\u2019un portefeuille de pr\u00eats ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Les \u00e9quipes financi\u00e8res suivent la performance des portefeuilles gr\u00e2ce \u00e0 des tableaux de bord centralis\u00e9s au sein de la plateforme. Ces tableaux regroupent les int\u00e9r\u00eats courus et pay\u00e9s, les soldes dus, l\u2019\u00e9tat des retards et les flux de tr\u00e9sorerie projet\u00e9s pour l\u2019ensemble des pr\u00eats. Plut\u00f4t que de compiler des donn\u00e9es dans plusieurs tableurs, la sant\u00e9 du portefeuille est visible en temps r\u00e9el. Par exemple, l\u2019exposition au risque sur les pr\u00eats \u00e0 taux variables peut \u00eatre analys\u00e9e instantan\u00e9ment. Cette visibilit\u00e9 constante facilite l\u2019anticipation et la planification de la liquidit\u00e9.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21677-3FbkawpM9Z' data-post_id='21677'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tComment un logiciel de gestion de pr\u00eats calcule-t-il les int\u00e9r\u00eats (simple ou compos\u00e9) ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Le logiciel calcule les int\u00e9r\u00eats selon une logique configurable d\u00e9finie lors de la cr\u00e9ation du pr\u00eat. Il prend en charge l\u2019int\u00e9r\u00eat simple, calcul\u00e9 uniquement sur le capital, et l\u2019int\u00e9r\u00eat compos\u00e9, o\u00f9 les int\u00e9r\u00eats g\u00e9n\u00e8rent de l\u2019int\u00e9r\u00eat. Cette logique est appliqu\u00e9e par un moteur centralis\u00e9 selon la fr\u00e9quence d\u2019accumulation et la convention de calcul choisies. Par exemple, dans une structure compos\u00e9e avec accumulation quotidienne, les int\u00e9r\u00eats sont recalcul\u00e9s chaque jour en fonction du solde mis \u00e0 jour. Cette automatisation \u00e9vite les incoh\u00e9rences qui apparaissent fr\u00e9quemment lorsque les utilisateurs alternent entre diff\u00e9rentes formules dans les tableurs ou valident des calculs via des outils externes comme le <a href=\"https:\/\/margill.com\/fr\/produits-services\/calculateur-dinteret-margill\/)\">Calculateur d\u2019int\u00e9r\u00eat Margill<\/a>.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21688-lam4W6RUne' data-post_id='21688'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tLe logiciel peut-il \u00eatre personnalis\u00e9 selon des r\u00e8gles d\u2019affaires sp\u00e9cifiques ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Oui. Les plateformes modernes permettent une personnalisation avanc\u00e9e de la logique d\u2019int\u00e9r\u00eats, des cascades de paiements, des calendriers d\u2019accumulation, des champs sur mesure et des formats de rapports. Les organisations peuvent adapter le syst\u00e8me \u00e0 leurs cadres r\u00e9glementaires, contr\u00f4les internes et structures de produits. Un pr\u00eateur peut par exemple configurer des priorit\u00e9s diff\u00e9rentes entre dettes senior et subordonn\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce aux r\u00e8gles sur mesure, la plateforme s\u2019adapte \u00e0 vos op\u00e9rations, et non l\u2019inverse.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21682-iyQp6TJol5' data-post_id='21682'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tPourquoi les cabinets juridiques utilisent-ils un logiciel de calcul d\u2019int\u00e9r\u00eat en litige ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Les cabinets juridiques s\u2019appuient sur ce type de logiciel pour produire des calculs d\u2019int\u00e9r\u00eats juridiquement d\u00e9fendables. En cas de litige portant sur les int\u00e9r\u00eats de d\u00e9faut, une restructuration ou une ex\u00e9cution forc\u00e9e, les tribunaux exigent des calculs pr\u00e9cis et reproductibles. La plateforme conserve la logique historique d\u2019accumulation, les conventions de calcul et l\u2019affectation des paiements. Les \u00e9quipes peuvent d\u00e9montrer l\u2019origine de chaque solde au moyen d\u2019outils sp\u00e9cialis\u00e9s comme le <a href=\"https:\/\/margill.com\/fr\/produits-services\/calculateur-dinteret-margill-droit\/)\">Calculateur d\u2019int\u00e9r\u00eat Margill pour le droit<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21675-9yjeqEIVcT' data-post_id='21675'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tQu\u2019est-ce qu\u2019un logiciel de gestion de pr\u00eats et en quoi est-il diff\u00e9rent d\u2019un tableur ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Un logiciel de gestion de pr\u00eats est un syst\u00e8me d\u00e9di\u00e9 qui automatise le calcul des int\u00e9r\u00eats, l\u2019affectation des paiements, le suivi des soldes et le reporting tout au long de la vie d\u2019un pr\u00eat. Contrairement aux tableurs, dont les formules varient selon les fichiers et les utilisateurs, le logiciel applique un moteur de calcul centralis\u00e9 \u00e0 l\u2019ensemble des pr\u00eats. Par exemple, lorsqu\u2019un paiement est re\u00e7u, \u00e0 moins de sp\u00e9cifiquement inclure une exception, le syst\u00e8me l\u2019affecte automatiquement selon des r\u00e8gles pr\u00e9d\u00e9finies: frais en premier, suivi des int\u00e9r\u00eats et enfin du capital. Avec un tableur, ces m\u00eames calculs reposent souvent sur des mises \u00e0 jour manuelles sources d\u2019erreurs silencieuses. Le logiciel garantit la tra\u00e7abilit\u00e9, la standardisation de la logique et la reproductibilit\u00e9 des r\u00e9sultats.<br><\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21679-LPQQ5vTRdC' data-post_id='21679'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tQu\u2019est-ce que la logique de cascade (ordre ou r\u00e9partition) de paiements en gestion de pr\u00eats ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">La cascade de paiements d\u00e9finit l\u2019ordre contractuel selon lequel chaque paiement est affect\u00e9 aux int\u00e9r\u00eats, au capital, aux p\u00e9nalit\u00e9s et aux frais. Par exemple, un contrat peut exiger que les frais soient pay\u00e9s en premier, puis les int\u00e9r\u00eats, puis le capital. Le logiciel applique automatiquement cette r\u00e9partition. Si un emprunteur effectue un paiement partiel, le syst\u00e8me l\u2019affecte pr\u00e9cis\u00e9ment selon la cascade sans alt\u00e9rer les soldes historiques. Sans cette automatisation, l\u2019affectation manuelle introduit des incoh\u00e9rences qui compromettent la fiabilit\u00e9 des audits. L\u2019utilisateur aura toujours la possibilit\u00e9 de modifier l\u2019ordre de remboursement dans des circonstances sp\u00e9ciales.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21678-yCaRHyBXpx' data-post_id='21678'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tQuelle est la diff\u00e9rence entre les conventions 30\/360 et R\u00e9el\/365 ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Les conventions de calcul du nombre de jours d\u00e9finissent la mani\u00e8re dont la dur\u00e9e est traduite en int\u00e9r\u00eats. En 30\/360, chaque mois est consid\u00e9r\u00e9 comme ayant 30 jours et l\u2019ann\u00e9e 360 jours, une m\u00e9thode courante en finance corporative et municipale. En R\u00e9e\/\/365, l\u2019int\u00e9r\u00eat est calcul\u00e9 selon le nombre r\u00e9el de jours divis\u00e9 par 365. Ces conventions influencent directement le montant des int\u00e9r\u00eats. L\u2019utilisateur a le choix d\u2019appliquer la convention souhait\u00e9e selon ses besoins. D\u2019autres conventions de comptage de jours disponibles incluent R\u00e9el\/R\u00e9el et R\u00e9el\/360.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21676-eGfS9FfU6N' data-post_id='21676'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tQuels sont les risques li\u00e9s \u00e0 la gestion des pr\u00eats avec des tableurs ?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Les tableurs exposent les organisations \u00e0 des d\u00e9rives de calcul, des conflits de versions, des formules rompues et des modifications non document\u00e9es. Avec le temps, plusieurs utilisateurs peuvent alt\u00e9rer la logique sans en mesurer les cons\u00e9quences. Par exemple, une modification mal appliqu\u00e9e d\u2019un taux peut se transformer en erreur financi\u00e8re mat\u00e9rielle \u00e0 l\u2019\u00e9chelle d\u2019un portefeuille. Les tableurs offrent \u00e9galement une auditabilit\u00e9 tr\u00e8s limit\u00e9e. Reconstituer un solde calcul\u00e9 plusieurs mois auparavant devient souvent impossible, cr\u00e9ant une vuln\u00e9rabilit\u00e9 juridique en audit, en litige ou en contexte r\u00e9glementaire. Un <strong>logiciel de gestion de pr\u00eats<\/strong> \u00e9limine ces risques par une logique contr\u00f4l\u00e9e et une tra\u00e7abilit\u00e9 compl\u00e8te.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div><div  class=\"ewd-ufaq-faq-div ewd-ufaq-faq-column-count-one ewd-ufaq-faq-responsive-columns- ewd-ufaq-faq-display-style-default ewd-ufaq-can-be-toggled\" id='ewd-ufaq-post-21686-ndSsbzmtYr' data-post_id='21686'>\n\n\t\t\n\t<div class='ewd-ufaq-faq-title ewd-ufaq-faq-toggle'>\n\t\n\t<a class='ewd-ufaq-post-margin'  href='#' role=\"button\">\n\n\t\t<div class='ewd-ufaq-post-margin-symbol ewd-ufaq-'>\n\t\t\t<span >a<\/span>\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-faq-title-text'>\n\n\t\t\t<h3>\n\t\t\t\tQuels types de pr\u00eats peuvent \u00eatre g\u00e9r\u00e9s par un logiciel de gestion de pr\u00eats?\t\t\t<\/h3>\n\n\t\t<\/div>\n\n\t\t<div class='ewd-ufaq-clear'><\/div>\n\n\t<\/a>\n\t\n<\/div>\n\t\n\t<div class='ewd-ufaq-faq-body ewd-ufaq-hidden' >\n\n\t\t\n\t\t\t\n\t\t\n\t\t\t<div class='ewd-ufaq-post-margin ewd-ufaq-faq-post'>\n\t\n<p class=\"wp-block-paragraph\">Un <strong>logiciel de gestion de pr\u00eats<\/strong> prend en charge une grande vari\u00e9t\u00e9 de pr\u00eats, notamment les pr\u00eats \u00e0 terme, cr\u00e9dits renouvelables, pr\u00eats syndiqu\u00e9s, financements de construction, dettes mezzanine et structures de pr\u00eats priv\u00e9s. Il g\u00e8re les taux fixes et variables, le multi-devises et les \u00e9ch\u00e9anciers personnalis\u00e9s. Un fonds de capital-investissement peut par exemple g\u00e9rer des pr\u00eats relais, tandis qu\u2019un fiduciaire administre des facilit\u00e9s hypoth\u00e9caires.<\/p>\n<\/div>\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t<\/div>\n\n\t\n<\/div><\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-group alignfull has-global-padding is-layout-constrained wp-container-core-group-is-layout-67fd433d wp-block-group-is-layout-constrained\" style=\"padding-right:2rem;padding-left:2rem\">\n<div class=\"wp-block-group is-style-rounded-corners-small has-secondary-background-color has-background is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-92b1d41f wp-block-group-is-layout-flex\" style=\"padding-top:50px;padding-right:50px;padding-bottom:50px;padding-left:50px\">\n<div class=\"wp-block-group is-content-justification-center is-layout-flex wp-container-core-group-is-layout-87970986 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-link-color wp-elements-76ccfeab739158f3ee26b28dfca024b4\" style=\"font-size:clamp(1.743rem, 1.743rem + ((1vw - 0.2rem) * 1.796), 3rem);font-style:normal;font-weight:300;line-height:1.1;text-transform:uppercase\">Des<br>Questions ?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group wp-container-content-d1243843 is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"has-blanc-casse-color has-text-color has-link-color has-medium-font-size wp-elements-1f27d869254643bc744d8601cdfc0ed3 wp-container-content-9cfa9a5a wp-block-paragraph\" style=\"line-height:1.36\">Vous avez des questions sur les solutions Margill ?<br>Notre \u00e9quipe est l\u00e0 pour vous aider ! N&rsquo;h\u00e9sitez pas \u00e0 nous contacter pour toute question, nous vous fournirons les r\u00e9ponses et les conseils dont vous avez besoin.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-center is-layout-flex wp-container-core-group-is-layout-47e51fdd wp-block-group-is-layout-flex\" style=\"border-top-color:var(--wp--preset--color--primary);border-top-width:1px\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7271d9d5 wp-block-group-is-layout-flex\" style=\"padding-top:20px\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container has-icon-color has-primary-color\" style=\"color:#f86700;width:28px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"32\" height=\"33\" viewBox=\"0 0 32 33\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M18.8563 23.475L17.525 22.7063C14.3125 20.8563 11.6438 18.1813 9.79375 14.975L9.025 13.6438L10.1062 12.5625L12.65 10.0188L9.75 2.76253L2 4.16878V4.50003C2 18.8563 13.6438 30.5 28 30.5H28.3312L29.7375 22.75L22.4813 19.8438L19.9375 22.3875L18.8563 23.475ZM22 17.5L32 21.5L30 32.5H28C12.5375 32.5 0 19.9625 0 4.50003V2.50003L11 0.500031L15 10.5L11.525 13.975C13.2 16.8813 15.6187 19.3 18.525 20.975L22 17.5Z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color has-medium-font-size wp-elements-ff16f6f9d36dd3edfa40ee44a3755395 wp-block-paragraph\"><a href=\"tel:18776831815\">+1 877 683-1815<\/a> <mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-primary-color\">\/<\/mark> +1 450 621-8283<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7271d9d5 wp-block-group-is-layout-flex\" style=\"padding-top:20px\">\n<div class=\"wp-block-outermost-icon-block\"><div class=\"icon-container has-icon-color has-primary-color\" style=\"color:#f86700;width:30px;transform:rotate(0deg) scaleX(1) scaleY(1)\"><svg width=\"39\" height=\"29\" viewBox=\"0 0 39 29\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M2.60669 7.31566L19.2317 18.7453L35.8567 7.31566V2.62503H2.60669V7.31566ZM35.8567 10.1953L19.2317 21.625L2.60669 10.1953V26.375H35.8567V10.1953ZM0.231689 26.375V8.56253V2.62503V0.250031H2.60669H35.8567H38.2317V2.62503V8.56253V26.375V28.75H35.8567H2.60669H0.231689V26.375Z\"><\/path><\/svg><\/div><\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color has-medium-font-size wp-elements-aa95c4af11209e06b728f6e9181038f3 wp-block-paragraph\"><a href=\"mailto:ventes@margill.com\">ventes@margill.com<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Logiciels de Gestion de pr\u00eats et de Calcul d&rsquo;int\u00e9r\u00eat Gestionnaire de Pr\u00eats Margill Des heures de gestion r\u00e9duites \u00e0 quelques minutes. Plus rapide, plus fiable, plus simple. Calculateur d&rsquo;int\u00e9r\u00eat Margill Le Standard mondial pour les calculs simples et complexes d&rsquo;int\u00e9r\u00eat, l\u2019amortissement, les arr\u00e9rages, etc. Calculateur d&rsquo;int\u00e9r\u00eat &#8211; Droit Margill Le choix des avocats et autres [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"no-title","meta":{"_crdt_document":"","footnotes":""},"class_list":["post-19567","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Margill | Logiciels de gestion de pr\u00eats et de calcul d\u2019int\u00e9r\u00eats<\/title>\r\n<meta name=\"description\" content=\"D\u00e9couvrez les logiciels Margill pour la gestion de pr\u00eats et le calcul d\u2019int\u00e9r\u00eat simple et complexe. 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