{"id":98,"date":"2020-10-10T15:07:55","date_gmt":"2020-10-10T15:07:55","guid":{"rendered":"https:\/\/demo.themedraft.net\/wp\/borex\/?page_id=98"},"modified":"2026-08-13T20:14:39","modified_gmt":"2026-08-13T18:14:39","slug":"accueil","status":"publish","type":"page","link":"https:\/\/valgestio.com\/","title":{"rendered":"Accueil"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"98\" class=\"elementor elementor-98\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a064e26 elementor-section-stretched elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2a064e26\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-315f0c9a\" data-id=\"315f0c9a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d29a329 elementor-widget elementor-widget-themedraft_home_banner\" data-id=\"1d29a329\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"themedraft_home_banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"td-home-banner-wrapper\">\n\t\t\t<div class=\"td-home-banner td-cover-bg\" style=\"background-image: url(https:\/\/demo.themedraft.net\/wp\/borex\/wp-content\/uploads\/2020\/10\/banner-bg-2.jpg)\">\n                <div class=\"td-table\">\n                    <div class=\"td-table-cell\">\n                        <div class=\"container\">\n                            <div class=\"row\">\n                                <div class=\"col-xl-7 col-lg-8\">\n                                    <div class=\"banner-content-wrapper\">\n                                        <h2 class=\"td-banner-title wow fadeInUp\" data-wow-duration=\"1.25s\" data-wow-delay=\"400ms\">Solutions de financement sur-mesure<\/h2>\n\n                                        <div class=\"td-banner-description  wow fadeInUp\" data-wow-duration=\"1.25s\" data-wow-delay=\"700ms\">\n                                            <p>VALGESTIO accompagne les professionnels, entreprises et particuliers dans le montage de leurs dossiers de cr\u00e9dit, l'optimisation de tr\u00e9sorerie et la gestion d'investissements.<\/p>                                        <\/div>\n\n                                        \n                                        <div class=\"td-banner-button wow fadeInUp\" data-wow-duration=\"1.25s\" data-wow-delay=\"1000ms\">\n\n\t                                                                                        <a href=\"https:\/\/valgestio.com\/index.php\/demande-de-credit\/\" class=\"td-button\" >Faites une demande <i class=\"fas fa-long-arrow-alt-right\"><\/i><\/a>\n\t                                        \n\t                                                                                        <a href=\"https:\/\/valgestio.com\/index.php\/nos-services\/\" class=\"td-button banner-button-two\" >Nos solutions <i class=\"fas fa-long-arrow-alt-right\"><\/i><\/a>\n\t                                                                                <\/div>\n\n                                                                            <\/div>\n                                <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-8f1b9de e-flex e-con-boxed e-con e-parent\" data-id=\"8f1b9de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a4a2b0 elementor-widget elementor-widget-html\" data-id=\"7a4a2b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  .valgestio-expertise-section {\r\n    padding: 50px 20px;\r\n    background-color: #f8fafc;\r\n    font-family: 'Plus Jakarta Sans', Arial, sans-serif;\r\n  }\r\n\r\n  .valgestio-container {\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n  }\r\n\r\n  .valgestio-header {\r\n    text-align: center;\r\n    margin-bottom: 40px;\r\n  }\r\n\r\n  .valgestio-subtitle {\r\n    color: #428cd4;\r\n    text-transform: uppercase;\r\n    font-size: 14px;\r\n    font-weight: 700;\r\n    letter-spacing: 1.5px;\r\n    margin-bottom: 10px;\r\n    display: block;\r\n  }\r\n\r\n  .valgestio-title {\r\n    color: #004e9a;\r\n    font-size: 32px;\r\n    font-weight: 700;\r\n    margin: 0;\r\n  }\r\n\r\n  .valgestio-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));\r\n    gap: 30px;\r\n    margin-bottom: 45px;\r\n  }\r\n\r\n  .valgestio-card {\r\n    background: #ffffff;\r\n    border-radius: 12px;\r\n    padding: 35px 30px;\r\n    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);\r\n    border: 1px solid #e2e8f0;\r\n    transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;\r\n  }\r\n\r\n  .valgestio-card:hover {\r\n    transform: translateY(-5px);\r\n    box-shadow: 0 12px 30px rgba(0, 78, 154, 0.12);\r\n    border-color: #428cd4;\r\n  }\r\n\r\n  .valgestio-icon {\r\n    width: 60px;\r\n    height: 60px;\r\n    background-color: #004e9a;\r\n    border-radius: 10px;\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    margin-bottom: 25px;\r\n    color: #ffffff;\r\n    transition: background-color 0.3s ease;\r\n  }\r\n\r\n  .valgestio-card:hover .valgestio-icon {\r\n    background-color: #428cd4;\r\n  }\r\n\r\n  .valgestio-icon svg {\r\n    width: 30px;\r\n    height: 30px;\r\n    fill: currentColor;\r\n  }\r\n\r\n  .valgestio-card-title {\r\n    color: #004e9a;\r\n    font-size: 22px;\r\n    font-weight: 600;\r\n    margin-bottom: 15px;\r\n  }\r\n\r\n  .valgestio-card-text {\r\n    color: #475569;\r\n    font-size: 15px;\r\n    line-height: 1.6;\r\n    margin: 0;\r\n  }\r\n\r\n  \/* Style du bouton CTA en bas *\/\r\n  .valgestio-action-wrapper {\r\n    text-align: center;\r\n  }\r\n\r\n  .valgestio-cta-btn {\r\n    background-color: #004e9a;\r\n    color: #ffffff;\r\n    padding: 15px 32px;\r\n    border-radius: 8px;\r\n    font-size: 16px;\r\n    font-weight: 700;\r\n    text-decoration: none;\r\n    display: inline-block;\r\n    transition: background-color 0.3s ease, transform 0.2s ease;\r\n    box-shadow: 0 4px 12px rgba(0, 78, 154, 0.2);\r\n  }\r\n\r\n  .valgestio-cta-btn:hover {\r\n    background-color: #428cd4;\r\n    transform: translateY(-2px);\r\n  }\r\n<\/style>\r\n\r\n<section class=\"valgestio-expertise-section\">\r\n  <div class=\"valgestio-container\">\r\n    \r\n    <div class=\"valgestio-header\">\r\n      <span class=\"valgestio-subtitle\">Nos Domaines d'Intervention<\/span>\r\n      <h2 class=\"valgestio-title\">Solutions Financi\u00e8res & Accompagnement<\/h2>\r\n    <\/div>\r\n\r\n    <div class=\"valgestio-grid\">\r\n      \r\n      <!-- Carte 1 -->\r\n      <div class=\"valgestio-card\">\r\n        <div class=\"valgestio-icon\">\r\n          <!-- Icone Mallette \/ Pro -->\r\n          <svg viewBox=\"0 0 24 24\"><path d=\"M20,6H16V4a2,2,0,0,0-2-2H10A2,2,0,0,0,8,4V6H4A2,2,0,0,0,2,8V19a2,2,0,0,0,2,2H20a2,2,0,0,0,2-2V8A2,2,0,0,0,20,6ZM10,4h4V6H10ZM20,19H4V8H20Z\"\/><\/svg>\r\n        <\/div>\r\n        <h3 class=\"valgestio-card-title\">Cr\u00e9dit & Financement Professionnel<\/h3>\r\n        <p class=\"valgestio-card-text\">\r\n          Financement d'\u00e9quipements, cr\u00e9dit-bail, besoin en fonds de roulement et projets de croissance pour PME, artisans et ind\u00e9pendants.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <!-- Carte 2 -->\r\n      <div class=\"valgestio-card\">\r\n        <div class=\"valgestio-icon\">\r\n          <!-- Icone Immobilier -->\r\n          <svg viewBox=\"0 0 24 24\"><path d=\"M12,3,2,12h3v8a1,1,0,0,0,1,1h12a1,1,0,0,0,1-1V12h3ZM17,19H15V14H9v5H7V10.19l5-4.5,5,4.5Z\"\/><\/svg>\r\n        <\/div>\r\n        <h3 class=\"valgestio-card-title\">Cr\u00e9dit Immobilier & Particuliers<\/h3>\r\n        <p class=\"valgestio-card-text\">\r\n          Recherche des meilleures conditions de financement pour vos acquisitions immobili\u00e8res, projets de construction et restructuration de cr\u00e9ances.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <!-- Carte 3 -->\r\n      <div class=\"valgestio-card\">\r\n        <div class=\"valgestio-icon\">\r\n          <!-- Icone Investissement \/ Graphique -->\r\n          <svg viewBox=\"0 0 24 24\"><path d=\"M21,19H3a1,1,0,0,1,0-2H21a1,1,0,0,1,0,2ZM7,15a1,1,0,0,1-1-1V10a1,1,0,0,1,2,0v4A1,1,0,0,1,7,15Zm5,0a1,1,0,0,1-1-1V6a1,1,0,0,1,2,0v8A1,1,0,0,1,12,15Zm5,0a1,1,0,0,1-1-1V8a1,1,0,0,1,2,0v6A1,1,0,0,1,17,15Z\"\/><\/svg>\r\n        <\/div>\r\n        <h3 class=\"valgestio-card-title\">Conseil & Investissement<\/h3>\r\n        <p class=\"valgestio-card-text\">\r\n          Strat\u00e9gies de placement, gestion de tr\u00e9sorerie d'entreprise et accompagnement patrimonial personnalis\u00e9 pour s\u00e9curiser vos actifs.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n    <!-- Bouton CTA G\u00e9n\u00e9ral -->\r\n    <div class=\"valgestio-action-wrapper\">\r\n      <a href=\"https:\/\/valgestio.com\/index.php\/demande-de-credit\/\" class=\"valgestio-cta-btn\">D\u00e9poser une demande en ligne &rarr;<\/a>\r\n    <\/div>\r\n\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4786d22 e-flex e-con-boxed e-con e-parent\" data-id=\"4786d22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b9b1b3 elementor-widget elementor-widget-html\" data-id=\"3b9b1b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  .valgestio-why-section {\r\n    padding: 60px 20px;\r\n    background-color: #ffffff;\r\n    font-family: 'Plus Jakarta Sans', Arial, sans-serif;\r\n  }\r\n\r\n  .valgestio-why-container {\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n  }\r\n\r\n  .valgestio-why-header {\r\n    text-align: center;\r\n    margin-bottom: 50px;\r\n  }\r\n\r\n  .valgestio-why-subtitle {\r\n    color: #428cd4;\r\n    text-transform: uppercase;\r\n    font-size: 14px;\r\n    font-weight: 700;\r\n    letter-spacing: 1.5px;\r\n    margin-bottom: 10px;\r\n    display: block;\r\n  }\r\n\r\n  .valgestio-why-title {\r\n    color: #004e9a;\r\n    font-size: 32px;\r\n    font-weight: 700;\r\n    margin: 0;\r\n  }\r\n\r\n  .valgestio-why-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));\r\n    gap: 30px;\r\n  }\r\n\r\n  .valgestio-why-card {\r\n    background-color: #f8fafc;\r\n    border-radius: 12px;\r\n    padding: 40px 30px;\r\n    border-left: 4px solid #004e9a;\r\n    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.03);\r\n    transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;\r\n  }\r\n\r\n  .valgestio-why-card:hover {\r\n    transform: translateY(-5px);\r\n    border-left-color: #428cd4;\r\n    box-shadow: 0 10px 25px rgba(0, 78, 154, 0.1);\r\n  }\r\n\r\n  .valgestio-why-number {\r\n    font-size: 14px;\r\n    font-weight: 800;\r\n    color: #428cd4;\r\n    background-color: rgba(66, 140, 212, 0.1);\r\n    padding: 6px 14px;\r\n    border-radius: 20px;\r\n    display: inline-block;\r\n    margin-bottom: 20px;\r\n  }\r\n\r\n  .valgestio-why-card-title {\r\n    color: #004e9a;\r\n    font-size: 20px;\r\n    font-weight: 700;\r\n    margin-bottom: 15px;\r\n  }\r\n\r\n  .valgestio-why-card-text {\r\n    color: #475569;\r\n    font-size: 15px;\r\n    line-height: 1.6;\r\n    margin: 0;\r\n  }\r\n<\/style>\r\n\r\n<section class=\"valgestio-why-section\">\r\n  <div class=\"valgestio-why-container\">\r\n    \r\n    <div class=\"valgestio-why-header\">\r\n      <span class=\"valgestio-why-subtitle\">Notre Engagement<\/span>\r\n      <h2 class=\"valgestio-why-title\">Pourquoi choisir VALGESTIO ?<\/h2>\r\n    <\/div>\r\n\r\n    <div class=\"valgestio-why-grid\">\r\n      \r\n      <!-- Avantage 1 -->\r\n      <div class=\"valgestio-why-card\">\r\n        <span class=\"valgestio-why-number\">01<\/span>\r\n        <h3 class=\"valgestio-why-card-title\">Accompagnement D\u00e9di\u00e9<\/h3>\r\n        <p class=\"valgestio-why-card-text\">\r\n          Un conseiller unique suit votre dossier de A \u00e0 Z. Vous b\u00e9n\u00e9ficiez d'une \u00e9coute attentive et d'une prise en charge 100% personnalis\u00e9e de votre projet.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <!-- Avantage 2 -->\r\n      <div class=\"valgestio-why-card\">\r\n        <span class=\"valgestio-why-number\">02<\/span>\r\n        <h3 class=\"valgestio-why-card-title\">N\u00e9gociation Sur-Mesure<\/h3>\r\n        <p class=\"valgestio-why-card-text\">\r\n          Gr\u00e2ce \u00e0 notre r\u00e9seau et notre expertise financi\u00e8re, nous sollicitons nos partenaires pour vous obtenir les meilleures conditions de financement du march\u00e9.\r\n        <\/p>\r\n      <\/div>\r\n\r\n      <!-- Avantage 3 -->\r\n      <div class=\"valgestio-why-card\">\r\n        <span class=\"valgestio-why-number\">03<\/span>\r\n        <h3 class=\"valgestio-why-card-title\">Rapidit\u00e9 & Transparence<\/h3>\r\n        <p class=\"valgestio-why-card-text\">\r\n          Traitement prioritaire de vos demandes, retour sous 48 heures ouvr\u00e9es et conseils clairs sans frais cach\u00e9s ni mauvaise surprise.\r\n        <\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-788d886 e-flex e-con-boxed e-con e-parent\" data-id=\"788d886\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be4bd54 elementor-widget elementor-widget-html\" data-id=\"be4bd54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  .valgestio-stats-section {\r\n    padding: 60px 20px;\r\n    background-color: #004e9a;\r\n    color: #ffffff;\r\n    font-family: 'Plus Jakarta Sans', Arial, sans-serif;\r\n  }\r\n\r\n  .valgestio-stats-container {\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n  }\r\n\r\n  .valgestio-stats-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));\r\n    gap: 40px;\r\n    text-align: center;\r\n  }\r\n\r\n  .valgestio-stat-item {\r\n    padding: 20px 10px;\r\n    position: relative;\r\n  }\r\n\r\n  .valgestio-stat-number {\r\n    font-size: 48px;\r\n    font-weight: 800;\r\n    color: #428cd4;\r\n    line-height: 1;\r\n    margin-bottom: 12px;\r\n    display: block;\r\n    letter-spacing: -1px;\r\n  }\r\n\r\n  .valgestio-stat-label {\r\n    font-size: 16px;\r\n    font-weight: 600;\r\n    color: #ffffff;\r\n    text-transform: uppercase;\r\n    letter-spacing: 0.5px;\r\n    margin-bottom: 8px;\r\n  }\r\n\r\n  .valgestio-stat-desc {\r\n    font-size: 14px;\r\n    color: #cbd5e1;\r\n    margin: 0;\r\n    line-height: 1.4;\r\n  }\r\n\r\n  @media (min-width: 768px) {\r\n    .valgestio-stat-item:not(:last-child)::after {\r\n      content: '';\r\n      position: absolute;\r\n      right: -20px;\r\n      top: 20%;\r\n      height: 60%;\r\n      width: 1px;\r\n      background-color: rgba(255, 255, 255, 0.15);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"valgestio-stats-section\">\r\n  <div class=\"valgestio-stats-container\">\r\n    <div class=\"valgestio-stats-grid\">\r\n      \r\n      <!-- Chiffre 1 -->\r\n      <div class=\"valgestio-stat-item\">\r\n        <span class=\"valgestio-stat-number\">+98%<\/span>\r\n        <div class=\"valgestio-stat-label\">Taux d'Accord<\/div>\r\n        <p class=\"valgestio-stat-desc\">des dossiers accompagn\u00e9s et financ\u00e9s<\/p>\r\n      <\/div>\r\n\r\n      <!-- Chiffre 2 -->\r\n      <div class=\"valgestio-stat-item\">\r\n        <span class=\"valgestio-stat-number\">48h<\/span>\r\n        <div class=\"valgestio-stat-label\">R\u00e9activit\u00e9<\/div>\r\n        <p class=\"valgestio-stat-desc\">d\u00e9lai moyen pour l'\u00e9tude de votre projet<\/p>\r\n      <\/div>\r\n\r\n      <!-- Chiffre 3 -->\r\n      <div class=\"valgestio-stat-item\">\r\n        <span class=\"valgestio-stat-number\">100%<\/span>\r\n        <div class=\"valgestio-stat-label\">Ind\u00e9pendance<\/div>\r\n        <p class=\"valgestio-stat-desc\">conseils neutres & sur-mesure<\/p>\r\n      <\/div>\r\n\r\n      <!-- Chiffre 4 -->\r\n      <div class=\"valgestio-stat-item\">\r\n        <span class=\"valgestio-stat-number\">1<\/span>\r\n        <div class=\"valgestio-stat-label\">Interlocuteur<\/div>\r\n        <p class=\"valgestio-stat-desc\">d\u00e9di\u00e9 du d\u00e9but \u00e0 la fin de votre \u00e9tude<\/p>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03d2fc3 e-flex e-con-boxed e-con e-parent\" data-id=\"03d2fc3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79d5cb3 elementor-widget elementor-widget-html\" data-id=\"79d5cb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  .valgestio-services-section {\r\n    padding: 60px 20px;\r\n    background-color: #ffffff;\r\n    font-family: 'Plus Jakarta Sans', Arial, sans-serif;\r\n  }\r\n\r\n  .valgestio-services-container {\r\n    max-width: 1200px;\r\n    margin: 0 auto;\r\n  }\r\n\r\n  \/* En-t\u00eate de section *\/\r\n  .valgestio-services-header {\r\n    text-align: center;\r\n    margin-bottom: 35px;\r\n  }\r\n\r\n  .valgestio-services-subtitle {\r\n    color: #428cd4;\r\n    text-transform: uppercase;\r\n    font-size: 14px;\r\n    font-weight: 700;\r\n    letter-spacing: 1.5px;\r\n    margin-bottom: 10px;\r\n    display: block;\r\n  }\r\n\r\n  .valgestio-services-title {\r\n    color: #004e9a;\r\n    font-size: 32px;\r\n    font-weight: 700;\r\n    margin: 0;\r\n  }\r\n\r\n  \/* Bloc d'introduction avec offre 3% *\/\r\n  .valgestio-services-intro {\r\n    background-color: rgba(66, 140, 212, 0.08);\r\n    border-left: 5px solid #004e9a;\r\n    border-radius: 10px;\r\n    padding: 25px 30px;\r\n    margin-bottom: 45px;\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 25px;\r\n    box-shadow: 0 4px 15px rgba(0, 78, 154, 0.04);\r\n  }\r\n\r\n  .valgestio-intro-badge {\r\n    background-color: #004e9a;\r\n    color: #ffffff;\r\n    font-size: 24px;\r\n    font-weight: 800;\r\n    padding: 15px 22px;\r\n    border-radius: 8px;\r\n    text-align: center;\r\n    white-space: nowrap;\r\n    line-height: 1.2;\r\n    box-shadow: 0 4px 10px rgba(0, 78, 154, 0.2);\r\n  }\r\n\r\n  .valgestio-intro-badge span {\r\n    display: block;\r\n    font-size: 11px;\r\n    text-transform: uppercase;\r\n    font-weight: 600;\r\n    color: #428cd4;\r\n    letter-spacing: 0.5px;\r\n    margin-top: 3px;\r\n  }\r\n\r\n  .valgestio-intro-text {\r\n    color: #334155;\r\n    font-size: 16px;\r\n    line-height: 1.6;\r\n    margin: 0;\r\n  }\r\n\r\n  .valgestio-intro-text strong {\r\n    color: #004e9a;\r\n  }\r\n\r\n  \/* Grille des services *\/\r\n  .valgestio-services-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));\r\n    gap: 30px;\r\n  }\r\n\r\n  .valgestio-service-card {\r\n    background-color: #f8fafc;\r\n    border-radius: 12px;\r\n    padding: 35px 25px;\r\n    border: 1px solid #e2e8f0;\r\n    transition: all 0.3s ease;\r\n    display: flex;\r\n    flex-direction: column;\r\n    justify-content: space-between;\r\n  }\r\n\r\n  .valgestio-service-card:hover {\r\n    transform: translateY(-5px);\r\n    background-color: #ffffff;\r\n    box-shadow: 0 12px 30px rgba(0, 78, 154, 0.1);\r\n    border-color: #428cd4;\r\n  }\r\n\r\n  .valgestio-service-icon {\r\n    width: 55px;\r\n    height: 55px;\r\n    background-color: #004e9a;\r\n    border-radius: 10px;\r\n    display: flex;\r\n    align-items: center;\r\n    justify-content: center;\r\n    margin-bottom: 20px;\r\n    color: #ffffff;\r\n    transition: background-color 0.3s ease;\r\n  }\r\n\r\n  .valgestio-service-card:hover .valgestio-service-icon {\r\n    background-color: #428cd4;\r\n  }\r\n\r\n  .valgestio-service-icon svg {\r\n    width: 28px;\r\n    height: 28px;\r\n    fill: currentColor;\r\n  }\r\n\r\n  .valgestio-service-title {\r\n    color: #004e9a;\r\n    font-size: 20px;\r\n    font-weight: 700;\r\n    margin-bottom: 12px;\r\n  }\r\n\r\n  .valgestio-service-text {\r\n    color: #475569;\r\n    font-size: 14px;\r\n    line-height: 1.6;\r\n    margin-bottom: 20px;\r\n  }\r\n\r\n  .valgestio-service-list {\r\n    list-style: none;\r\n    padding: 0;\r\n    margin: 0 0 25px 0;\r\n  }\r\n\r\n  .valgestio-service-list li {\r\n    font-size: 13px;\r\n    color: #334155;\r\n    margin-bottom: 8px;\r\n    display: flex;\r\n    align-items: center;\r\n    gap: 8px;\r\n  }\r\n\r\n  .valgestio-service-list li::before {\r\n    content: \"\u2713\";\r\n    color: #428cd4;\r\n    font-weight: bold;\r\n  }\r\n\r\n  .valgestio-service-btn {\r\n    color: #004e9a;\r\n    font-weight: 700;\r\n    font-size: 14px;\r\n    text-decoration: none;\r\n    display: inline-flex;\r\n    align-items: center;\r\n    gap: 6px;\r\n    transition: color 0.2s ease;\r\n  }\r\n\r\n  .valgestio-service-btn:hover {\r\n    color: #428cd4;\r\n  }\r\n\r\n  \/* Responsive Mobile *\/\r\n  @media (max-width: 768px) {\r\n    .valgestio-services-intro {\r\n      flex-direction: column;\r\n      text-align: center;\r\n      padding: 20px;\r\n    }\r\n    \r\n    .valgestio-intro-badge {\r\n      width: 100%;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"valgestio-services-section\" id=\"services\">\r\n  <div class=\"valgestio-services-container\">\r\n    \r\n    <!-- En-t\u00eate -->\r\n    <div class=\"valgestio-services-header\">\r\n      <span class=\"valgestio-services-subtitle\">Ce Que Nous Faisons<\/span>\r\n      <h2 class=\"valgestio-services-title\">Nos 6 Domaines d'Expertise<\/h2>\r\n    <\/div>\r\n\r\n    <!-- Intro \u00c9ligibilit\u00e9 & Taux -->\r\n    <div class=\"valgestio-services-intro\">\r\n      <div class=\"valgestio-intro-badge\">\r\n        D\u00e8s 3%*\r\n        <span>Taux d'int\u00e9r\u00eat<\/span>\r\n      <\/div>\r\n      <p class=\"valgestio-intro-text\">\r\n        <strong>Un financement accessible \u00e0 tous :<\/strong> Toute personne majeure (particulier, ind\u00e9pendant, professionnel, dirigeant de PME ou association) peut b\u00e9n\u00e9ficier d'un accompagnement sur-mesure pour r\u00e9aliser ses projets. Nous \u00e9tudions chaque demande avec rigueur pour vous proposer des solutions adapt\u00e9es avec un <strong>taux attractif \u00e0 partir de 3%<\/strong>.\r\n      <\/p>\r\n    <\/div>\r\n\r\n    <!-- Les 6 Cartes -->\r\n    <div class=\"valgestio-services-grid\">\r\n      \r\n      <!-- Service 1 : Financement Professionnel -->\r\n      <div class=\"valgestio-service-card\">\r\n        <div>\r\n          <div class=\"valgestio-service-icon\">\r\n            <svg viewBox=\"0 0 24 24\"><path d=\"M20 6h-4V4c0-1.11-.89-2-2-2h-4c-1.11 0-2 .89-2 2v2H4c-1.11 0-1.99.89-1.99 2L2 19c0 1.11.89 2 2 2h16c1.11 0 2-.89 2-2V8c0-1.11-.89-2-2-2zm-6 0h-4V4h4v2z\"\/><\/svg>\r\n          <\/div>\r\n          <h3 class=\"valgestio-service-title\">Financement Professionnel<\/h3>\r\n          <p class=\"valgestio-service-text\">Accompagnement des PME, artisans et ind\u00e9pendants dans la structuration de leurs besoins financiers.<\/p>\r\n          <ul class=\"valgestio-service-list\">\r\n            <li>Cr\u00e9dit-bail & Leasing<\/li>\r\n            <li>Tr\u00e9sorerie & BFR<\/li>\r\n            <li>Achat de mat\u00e9riel & v\u00e9hicule<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <a href=\"https:\/\/valgestio.com\/index.php\/financement-professionnel\/\" class=\"valgestio-service-btn\">Demander une \u00e9tude &rarr;<\/a>\r\n      <\/div>\r\n\r\n      <!-- Service 2 : Cr\u00e9dit Immobilier -->\r\n      <div class=\"valgestio-service-card\">\r\n        <div>\r\n          <div class=\"valgestio-service-icon\">\r\n            <svg viewBox=\"0 0 24 24\"><path d=\"M10 20v-6h4v6h5v-8h3L12 3 2 12h3v8z\"\/><\/svg>\r\n          <\/div>\r\n          <h3 class=\"valgestio-service-title\">Cr\u00e9dit Immobilier<\/h3>\r\n          <p class=\"valgestio-service-text\">N\u00e9gociation des meilleures conditions de pr\u00eat pour vos projets d'acquisition r\u00e9sidentielle ou locative.<\/p>\r\n          <ul class=\"valgestio-service-list\">\r\n            <li>R\u00e9sidence principale & secondaire<\/li>\r\n            <li>Investissement locatif (SCI)<\/li>\r\n            <li>Rachat de cr\u00e9dit & taux avantageux<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <a href=\"https:\/\/valgestio.com\/index.php\/credit-immobilier\/\" class=\"valgestio-service-btn\">Simuler un pr\u00eat &rarr;<\/a>\r\n      <\/div>\r\n\r\n      <!-- Service 3 : Conseil en Placements -->\r\n      <div class=\"valgestio-service-card\">\r\n        <div>\r\n          <div class=\"valgestio-service-icon\">\r\n            <svg viewBox=\"0 0 24 24\"><path d=\"M3.5 18.49l6-6.01 4 4L22 6.92l-1.41-1.41-7.09 7.09-4-4L2 15.67z\"\/><\/svg>\r\n          <\/div>\r\n          <h3 class=\"valgestio-service-title\">Conseil en Placements<\/h3>\r\n          <p class=\"valgestio-service-text\">Optimisation de votre tr\u00e9sorerie d'entreprise et conseils strat\u00e9giques de valorisation de capital.<\/p>\r\n          <ul class=\"valgestio-service-list\">\r\n            <li>Gestion de tr\u00e9sorerie d'entreprise<\/li>\r\n            <li>Solutions d'\u00e9pargne sur-mesure<\/li>\r\n            <li>Diversification d'actifs<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <a href=\"https:\/\/valgestio.com\/index.php\/conseil-en-placements\/\" class=\"valgestio-service-btn\">Consulter nos experts &rarr;<\/a>\r\n      <\/div>\r\n\r\n      <!-- Service 4 : Rachat & Restructuration -->\r\n      <div class=\"valgestio-service-card\">\r\n        <div>\r\n          <div class=\"valgestio-service-icon\">\r\n            <svg viewBox=\"0 0 24 24\"><path d=\"M19 3H5c-1.1 0-2 .9-2 2v14c0 1.1.9 2 2 2h14c1.1 0 2-.9 2-2V5c0-1.1-.9-2-2-2zm-1 14H6v-2h12v2zm0-4H6v-2h12v2zm0-4H6V7h12v2z\"\/><\/svg>\r\n          <\/div>\r\n          <h3 class=\"valgestio-service-title\">Rachat & Restructuration<\/h3>\r\n          <p class=\"valgestio-service-text\">Regroupement de vos cr\u00e9dits existants pour r\u00e9duire vos mensualit\u00e9s et simplifier votre gestion.<\/p>\r\n          <ul class=\"valgestio-service-list\">\r\n            <li>Consolidation de dettes<\/li>\r\n            <li>Baisse des mensualit\u00e9s jusqu'\u00e0 -60%<\/li>\r\n            <li>Tr\u00e9sorerie compl\u00e9mentaire int\u00e9gr\u00e9e<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <a href=\"https:\/\/valgestio.com\/index.php\/rachat-restructuration\/\" class=\"valgestio-service-btn\">Regrouper mes cr\u00e9dits &rarr;<\/a>\r\n      <\/div>\r\n\r\n      <!-- Service 5 : Financement Immobilier Pro -->\r\n      <div class=\"valgestio-service-card\">\r\n        <div>\r\n          <div class=\"valgestio-service-icon\">\r\n            <svg viewBox=\"0 0 24 24\"><path d=\"M12 7V3H2v18h20V7H12zM6 19H4v-2h2v2zm0-4H4v-2h2v2zm0-4H4V9h2v2zm0-4H4V5h2v2zm4 12H8v-2h2v2zm0-4H8v-2h2v2zm0-4H8V9h2v2zm0-4H8V5h2v2zm10 12h-8v-2h2v-2h-2v-2h2v-2h-2V9h8v10z\"\/><\/svg>\r\n          <\/div>\r\n          <h3 class=\"valgestio-service-title\">Financement Immobilier Pro<\/h3>\r\n          <p class=\"valgestio-service-text\">Acquisition de vos bureaux, entrep\u00f4ts, locaux commerciaux ou projets de promotion immobili\u00e8re.<\/p>\r\n          <ul class=\"valgestio-service-list\">\r\n            <li>Bureaux & Commerces<\/li>\r\n            <li>Locaux d'activit\u00e9 & Entrep\u00f4ts<\/li>\r\n            <li>Montage de dossiers SCI \/ SARL<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <a href=\"https:\/\/valgestio.com\/index.php\/financement-immobilier-pro\/\" class=\"valgestio-service-btn\">Financer mes locaux &rarr;<\/a>\r\n      <\/div>\r\n\r\n      <!-- Service 6 : Audit & Ing\u00e9nierie Financi\u00e8re -->\r\n      <div class=\"valgestio-service-card\">\r\n        <div>\r\n          <div class=\"valgestio-service-icon\">\r\n            <svg viewBox=\"0 0 24 24\"><path d=\"M12 1L3 5v6c0 5.55 3.84 10.74 9 12 5.16-1.26 9-6.45 9-12V5l-9-4zm-2 16l-4-4 1.41-1.41L10 14.17l6.59-6.59L18 9l-8 8z\"\/><\/svg>\r\n          <\/div>\r\n          <h3 class=\"valgestio-service-title\">Audit & Ing\u00e9nierie Financi\u00e8re<\/h3>\r\n          <p class=\"valgestio-service-text\">Analyse strat\u00e9gique de votre structure financi\u00e8re globale pour optimiser vos co\u00fbts et vos garanties.<\/p>\r\n          <ul class=\"valgestio-service-list\">\r\n            <li>Audit complet de vos contrats d'assurance<\/li>\r\n            <li>Optimisation des s\u00fbret\u00e9s & garanties<\/li>\r\n            <li>Ren\u00e9gociation globale de conditions<\/li>\r\n          <\/ul>\r\n        <\/div>\r\n        <a href=\"https:\/\/valgestio.com\/index.php\/audit-ingenierie-financiere\/\" class=\"valgestio-service-btn\">Lancer un audit &rarr;<\/a>\r\n      <\/div>\r\n\r\n    <\/div>\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb34a3e e-flex e-con-boxed e-con e-parent\" data-id=\"bb34a3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96fbe6c elementor-widget elementor-widget-html\" data-id=\"96fbe6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\r\n  .valgestio-contact-section {\r\n    padding: 60px 20px;\r\n    background-color: #f8fafc;\r\n    font-family: 'Plus Jakarta Sans', Arial, sans-serif;\r\n  }\r\n\r\n  .valgestio-contact-container {\r\n    max-width: 900px;\r\n    margin: 0 auto;\r\n    background: #ffffff;\r\n    border-radius: 16px;\r\n    box-shadow: 0 10px 30px rgba(0, 78, 154, 0.08);\r\n    border: 1px solid #e2e8f0;\r\n    padding: 40px;\r\n  }\r\n\r\n  .valgestio-contact-header {\r\n    text-align: center;\r\n    margin-bottom: 35px;\r\n  }\r\n\r\n  .valgestio-contact-subtitle {\r\n    color: #428cd4;\r\n    text-transform: uppercase;\r\n    font-size: 14px;\r\n    font-weight: 700;\r\n    letter-spacing: 1.5px;\r\n    margin-bottom: 10px;\r\n    display: block;\r\n  }\r\n\r\n  .valgestio-contact-title {\r\n    color: #004e9a;\r\n    font-size: 30px;\r\n    font-weight: 700;\r\n    margin: 0 0 10px 0;\r\n  }\r\n\r\n  .valgestio-contact-desc {\r\n    color: #475569;\r\n    font-size: 15px;\r\n    margin: 0;\r\n  }\r\n\r\n  .valgestio-form-grid {\r\n    display: grid;\r\n    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));\r\n    gap: 20px;\r\n    margin-bottom: 20px;\r\n  }\r\n\r\n  .valgestio-form-group {\r\n    display: flex;\r\n    flex-direction: column;\r\n    gap: 6px;\r\n  }\r\n\r\n  .valgestio-form-group.full-width {\r\n    grid-column: 1 \/ -1;\r\n  }\r\n\r\n  .valgestio-form-group label {\r\n    color: #004e9a;\r\n    font-size: 14px;\r\n    font-weight: 600;\r\n  }\r\n\r\n  .valgestio-form-group input,\r\n  .valgestio-form-group select,\r\n  .valgestio-form-group textarea {\r\n    padding: 12px 16px;\r\n    border: 1px solid #cbd5e1;\r\n    border-radius: 8px;\r\n    font-size: 15px;\r\n    color: #0f172a;\r\n    background-color: #ffffff;\r\n    outline: none;\r\n    transition: border-color 0.2s ease, box-shadow 0.2s ease;\r\n    font-family: inherit;\r\n  }\r\n\r\n  .valgestio-form-group input:focus,\r\n  .valgestio-form-group select:focus,\r\n  .valgestio-form-group textarea:focus {\r\n    border-color: #428cd4;\r\n    box-shadow: 0 0 0 3px rgba(66, 140, 212, 0.15);\r\n  }\r\n\r\n  .valgestio-submit-btn {\r\n    width: 100%;\r\n    background-color: #004e9a;\r\n    color: #ffffff;\r\n    border: none;\r\n    padding: 16px;\r\n    border-radius: 8px;\r\n    font-size: 16px;\r\n    font-weight: 700;\r\n    cursor: pointer;\r\n    transition: background-color 0.3s ease, transform 0.2s ease;\r\n  }\r\n\r\n  .valgestio-submit-btn:hover {\r\n    background-color: #428cd4;\r\n    transform: translateY(-2px);\r\n  }\r\n\r\n  .valgestio-reassurance {\r\n    text-align: center;\r\n    margin-top: 15px;\r\n    font-size: 13px;\r\n    color: #64748b;\r\n  }\r\n\r\n  @media (max-width: 600px) {\r\n    .valgestio-contact-container {\r\n      padding: 25px 20px;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<section class=\"valgestio-contact-section\" id=\"contact\">\r\n  <div class=\"valgestio-contact-container\">\r\n    \r\n    <div class=\"valgestio-contact-header\">\r\n      <span class=\"valgestio-contact-subtitle\">\u00c9tude Gratuite & Confidentielle<\/span>\r\n      <h2 class=\"valgestio-contact-title\">Discutons de votre projet<\/h2>\r\n      <p class=\"valgestio-contact-desc\">Tous les champs ci-dessous sont obligatoires. Un conseiller VALGESTIO vous recontacte sous 48 heures ouvr\u00e9es.<\/p>\r\n    <\/div>\r\n\r\n    <!-- Envoi vers contact@valgestio.com avec copie conforme \u00e0 contact.valgestio@gmail.com -->\r\n    <form action=\"https:\/\/formsubmit.co\/contact@valgestio.com\" method=\"POST\">\r\n      \r\n      <!-- Copie conforme (CC) vers l'adresse Gmail -->\r\n      <input type=\"hidden\" name=\"_cc\" value=\"contact.valgestio@gmail.com\">\r\n      \r\n      <!-- Sujet de l'e-mail re\u00e7u -->\r\n      <input type=\"hidden\" name=\"_subject\" value=\"Nouvelle demande d'\u00e9tude - VALGESTIO\">\r\n      \r\n      <!-- D\u00e9sactiver le Captcha FormSubmit si souhait\u00e9 -->\r\n      <input type=\"hidden\" name=\"_captcha\" value=\"false\">\r\n\r\n      <div class=\"valgestio-form-grid\">\r\n        \r\n        <div class=\"valgestio-form-group\">\r\n          <label for=\"nom\">Nom & Pr\u00e9nom *<\/label>\r\n          <input type=\"text\" id=\"nom\" name=\"Nom et Pr\u00e9nom\" placeholder=\"Ex: Jean Dupont\" required>\r\n        <\/div>\r\n\r\n        <div class=\"valgestio-form-group\">\r\n          <label for=\"email\">Adresse Email *<\/label>\r\n          <input type=\"email\" id=\"email\" name=\"Email\" placeholder=\"Ex: j.dupont@email.com\" required>\r\n        <\/div>\r\n\r\n        <div class=\"valgestio-form-group\">\r\n          <label for=\"telephone\">T\u00e9l\u00e9phone *<\/label>\r\n          <input type=\"tel\" id=\"telephone\" name=\"T\u00e9l\u00e9phone\" placeholder=\"Ex: 06 12 34 56 78\" required>\r\n        <\/div>\r\n\r\n        <div class=\"valgestio-form-group\">\r\n          <label for=\"projet\">Type de Projet *<\/label>\r\n          <select id=\"projet\" name=\"Type de Projet\" required>\r\n            <option value=\"\" disabled selected>S\u00e9lectionnez un projet<\/option>\r\n            <option value=\"Cr\u00e9dit & Financement Pro\">Cr\u00e9dit & Financement Pro<\/option>\r\n            <option value=\"Cr\u00e9dit Immobilier \/ Pr\u00eat\">Cr\u00e9dit Immobilier \/ Pr\u00eat<\/option>\r\n            <option value=\"Conseil & Placement\">Conseil & Placement<\/option>\r\n            <option value=\"Autre demande\">Autre demande<\/option>\r\n          <\/select>\r\n        <\/div>\r\n\r\n        <div class=\"valgestio-form-group full-width\">\r\n          <label for=\"montant\">Montant estim\u00e9 du projet (\u20ac) *<\/label>\r\n          <input type=\"text\" id=\"montant\" name=\"Montant estim\u00e9\" placeholder=\"Ex: 150 000 \u20ac\" required>\r\n        <\/div>\r\n\r\n        <div class=\"valgestio-form-group full-width\">\r\n          <label for=\"message\">Message compl\u00e9mentaire *<\/label>\r\n          <textarea id=\"message\" name=\"Message\" rows=\"4\" placeholder=\"Pr\u00e9cisez les d\u00e9tails de votre demande...\" required><\/textarea>\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n      <button type=\"submit\" class=\"valgestio-submit-btn\">Envoyer ma demande d'\u00e9tude &rarr;<\/button>\r\n      \r\n      <p class=\"valgestio-reassurance\">\r\n        \ud83d\udd12 Tous les champs sont obligatoires. Vos donn\u00e9es sont trait\u00e9es de mani\u00e8re strictement confidentielle.\r\n      <\/p>\r\n    <\/form>\r\n\r\n  <\/div>\r\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Solutions de financement sur-mesure VALGESTIO accompagne les professionnels, entreprises et particuliers dans le montage de leurs dossiers de cr\u00e9dit, l&rsquo;optimisation de tr\u00e9sorerie et la gestion d&rsquo;investissements. Faites une demande Nos solutions Nos Domaines d&rsquo;Intervention Solutions Financi\u00e8res &#038; Accompagnement Cr\u00e9dit &#038; Financement Professionnel Financement d&rsquo;\u00e9quipements, cr\u00e9dit-bail, besoin en fonds de roulement et projets de croissance pour [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-98","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accueil - VALGESTIO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valgestio.com\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accueil - VALGESTIO\" \/>\n<meta property=\"og:description\" content=\"Solutions de financement sur-mesure VALGESTIO accompagne les professionnels, entreprises et particuliers dans le montage de leurs dossiers de cr\u00e9dit, l&rsquo;optimisation de tr\u00e9sorerie et la gestion d&rsquo;investissements. 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