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Legal bonds & guarantees
for regulated professions
Do you need a guarantor to run your business?
AU Group offers legal bonds and financial guarantees for many regulated professions or to meet your obligations to state bodies.
Legal bonds & guarantees for regulated professions
Legal bonds & regulated professions guarantees
The surety market is evolving.The historical bank guarantors, subject to new and increasingly restrictive prudential rules, are today less present in the issuance of financial guarantees for regulated professions or in favor of public authorities.
We negotiate legal surety lines on your behalf with guarantors specialized in your sectors and assist you in setting them up.
- Issue your financial guarantees via specialized insurers to free up bank credit lines
- Diversify your guarantors according to your issuance needs on the national and international market
- Get advice
Benefits
The use of surety bonds facilitates the financing of the development of companies by providing the possibility of:
- Preserve your borrowing capacity and bank credit lines without mobilizing collateral
- Delay a cash outflow (Customs bond)
- Access regulated professions (Temporary Work Company guarantee)
- Avoid tying up funds (e.g. FranceAgrimer guarantee)
How it works
A guarantor insurer can offer a line of credit enabling you to compliant with your legal and regulatory obligations through the issuance of surety bonds, which are very common in the transport, logistics, agri-food, environmental, real estate professionals, travel agencies, temping... sectors.
AU Group supports you in finding and setting up the financial guarantees essential to your activities, as well as throughout the life of existing bonds (renewal, audit).
What are the different types of legal bonds?
To carry out their activities, certain professions must provide surety bonds to meet the requirements of various state agencies. The following will help you comply with these legal obligations.
Excise bonds - Wines & Spirits
Required by the State, they concern the storage and shipment of excisable products before they are placed on the market.
- Warehouse credit: obligatory upon receipt or processing of excisable products in a tax warehouse.
- Crédit de liquidation : allows deferred payment of excise duties.
- Crédit d'expédition nationale et intracommunautaire (Union Européenne).
- Crédit d'enlèvement : concerns authorized warehousekeepers, allowing them to defer payment of excise duties from the date of liquidation.
Agri-bonds
They cover the repayment of advances, penalties due in the event of non-compliance with the principle of earmarking the amount of aid awarded, or the replacement of the security deposit for tenders.
.Customs bonds
Also known as Final Import Bonds, Removal Credits or Bonded Warehouse Bonds, these are used in your international operations, as an importer or forwarder, when you are required to pay customs duties to the customs authorities to take possession of your goods. This enables you to suspend payment or defer payment with the administrations.
Guarantees for regulated professions
AU Group offers financial guarantees essential to the practice of regulated professions.
A financial guarantee is required for certain regulated professions in France in order to protect customers or third parties against the risks of default linked to the activity of these professionals.
Travel Agency Bonds
They cover advances issued by tourists in favor of a travel agency, it is for the benefit of ATOUT France (article L.211 - 1 du Code du Tourisme).
For companies involved in international trade, logistics, transport.
Compliance with regulations is imperative and the Public Authorities often require solid financial guarantees to ensure compliance with these obligations.
Cautions Intérim - Temporary employment agency
They ensure the proper payment of compulsory contributions due to social security organizations, provident funds and pension funds, as well as the wages and allowances of temporary employees (Article L124 of the Labor Code).
Environmental bonds - ICPE (Installation Classée pour la Protection de l'Environnement) classified sites
Financial guarantee required by the authorities for the operation, storage or restoration of sites (quarries, so-called "Seveso" facilities, technical landfill centers).
- Dismantling of wind-powered production facilities.
- WEEE (Waste Electrical and Electronic Equipment).
- Cross-border transport bond Transport of Hazardous Materials TTD
Financial guarantee under the Hoguet Act - Real estate professionals
Whatever their activity as a transaction, rental management or condominium manager, all real estate players are subject to the Hoguet, ALUR and ELAN laws. As such, they are obliged to subscribe financial guarantees whenever they collect or manage funds from their customers.
Financial guarantee for auctions - voluntary sales operators (OVV)
The annual auction sales guarantee makes it possible to secure transactionswhen funds pass through the hands of voluntary sales operators. It covers the representation of funds held on behalf of others.
Why trust AU Group with your bonding solutions?
- AU Group provides new Surety capabilities through AU Group's access to guarantors specialized in your sectors.
- Our teams guarantee efficient responsiveness in the execution of mandates to study and place surety lines.
- All our staff have perfect knowledge of the wide range of legal warranties and the legal framework for each.
- Our experts maintain a permanent legal watch on ICPE, CRE warranties and other types of deeds in emerging markets (Energy, Environment).
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Frequently asked questions
All the answers to your questions about sureties and guarantees for regulated professions.
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Dans certains secteurs (immobilier, voyages, professions juridiques, intérim, énergie…), l’entreprise détient des fonds de tiers (ex. dépôts de clients, acomptes, loyers).
La garantie financière assure que ces fonds seront restitués en cas de défaillance de l’entreprise.
La loi impose une garantie financière pour s’assurer que l’entreprise respecte ses engagements contractuels ou réglementaires ;pour rembourser des sommes encaissées à l’avance (agences de voyages) ou encore restituer un dépôt de garantie (agents immobiliers) et également payer des cotisations sociales collectées (intérim).
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Une garantie bancaire consomme la ligne de crédit de l’entreprise, limitant sa capacité d’emprunt. Tandis qu’une garantie assurantielle est hors bilan bancaire et elle n’affecte pas la capacité d’endettement bancaire (effet de levier financier).
Passer par un assureur permet de diversifier les partenaires financiers et de ne pas être dépendant d’un seul réseau bancaire.
Enfin, les assureurs spécialisés en caution ont une expertise dans des secteurs particuliers (construction, douane, environnement, énergie, appels d’offres publics…).
Ils proposent des modèles adaptés (cautions légales, douanières, de marché, garanties environnementales…), parfois plus souples que les banques.
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La caution douanière est une garantie financière au bénéfice de l’Administration des Douanes. Elle couvre le paiement des droits et taxes liés aux importations/exportations (droits de douane, TVA, accises, etc.).
Lors d’une opération d’importation, les droits et taxes sont exigibles immédiatement au moment du dédouanement. Si l’entreprise a une caution en place, elle ne paie pas immédiatement : la Douane enregistre la dette mais accepte de la différer, car elle sait qu’elle est couverte par la garantie. Si l’entreprise ne règle pas, la Douane appelle la caution et le garant paie à sa place.
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De nombreuses professions réglementées doivent fournir une caution légale ou une garantie financière prévue par la loi et validée par l’État pour exercer leur activité. Ces contrats de cautionnement concernent par exemple les entreprises de travail temporaire, les agences de voyages, les professionnels de l’immobilier soumis au code de la construction, ou encore les opérateurs de ventes volontaires. Dans tous les cas, un garant s’engage à régler en cas de paiement défaillant du débiteur ou d’impayés. Cette démarche permet aux professionnels de se conformer aux obligations légales sans immobiliser un dépôt financier.
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En cas d’appel de garantie de la part du bénéficiaire public (Administration et organismes publics tels que les Recettes des Douanes, URSSAF, Préfecture…) le débiteur s’expose à des conséquences importantes.
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Dans de nombreux cas, la garantie financière permet d’éviter la consignation des fonds à la Caisse des dépôts et consignations (CDC). Cette solution libère la trésorerie, réduit les sorties de fonds immédiates et apporte de la flexibilité car si l’activité augmente, l’entreprise doit accroître le montant du dépôt. La garantie financière joue donc parfaitement le rôle de substitut à la consignation. Elle protège les entreprises au même titre qu’un dépôt à la CDC, mais leur permet de ne pas immobiliser ses fonds.
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AU Group accompagne chaque entreprise et chaque professionnel des secteurs réglementés dans la mise en place des cautions légales. Nous identifions les partenaires garants capables de délivrer cette typologie puis les conditions d’octroi de lignes de crédit et veillons à éviter l’immobilisation d’un dépôt financier en tant que sûretés.
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