Maître Séverine JUVIGNY

Avocat au barreau de Toulouse

Compétences : Droit des sociétés, Droit commercial, des affaires et de la concurrence, Fiscalité de l'activité professionnelle

Barreau : Toulouse

Adresse : 43, rue Achille Viadieu 31400 TOULOUSE

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Publié le 08/04/2026

Crédit vendeur : comment sécuriser un paiement différé ?

Article juridique - Droit des sociétés

Par Me Séverine JUVIGNY

Crédit vendeur : comment sécuriser un paiement différé ?

Le crédit vendeur permet au cédant de financer une partie de l’acquisition en accordant un délai de paiement à l’acquéreur. Utilisé dans de nombreuses cessions de PME, c’est un outil efficace mais risqué sans les bonnes protections.

Le risque principal : le non-paiement

Si l’acquéreur ne paie pas les échéances, le cédant se retrouve sans son entreprise et sans le prix. Pour se protéger, il faut exiger des garanties : nantissement des titres, caution personnelle ou bancaire, clause d’exigibilité anticipée.

Les points à négocier

Le montant du crédit (généralement 20 à 40 % du prix), l’échéancier de remboursement, le taux d’intérêt et surtout les garanties de paiement. Chaque clause doit être rédigée avec précision.

Article complet sur juvigny-avocat.fr : « Crédit vendeur dans une cession d’actions ».

Contactez-moi pour sécuriser votre crédit vendeur.