IMMEDIATE CASH FLOW FOR MICRO BUSINESSES AND PROFESSIONALS : TURN YOUR B2B INVOICES INTO CASH WITH AVANCE FACTURE

This offer fits seamlessly into Societe Generale’s ecosystem for professionals, notably with the VIZUP module, which brings together in one place a view of accounts, cash flows, and e-invoicing.

We met Frédéric Larzinière, head of Negocom Atlantique, who shared his experience with this offer he has adopted!

About Negocom Atlantique Since 2005, Negocom Atlantique has designed, published, and marketed regional web tourism guides and their social media ecosystem, with expertise in digital tourism (platforms, community management, experiential content) serving professionals in the sector. Their mission is to showcase regional destinations on the web and social networks.

SGF: Could you tell us about Negocom and introduce your activity?
Frédéric Larzinière: “We publish regional tourism web guides with strong digital and social media expertise. The goal is to help tourism stakeholders gain visibility with travelers through editorial platforms, experiential content, and an orchestrated social presence. Through our actions, we also aim to highlight the richness of our regions and prioritize human connection in a rapidly and constantly changing technological environment, in order to meet both our clients’ communication needs and internet users’ information expectations.”

SGF: How did you discover Avance Facture?
Frédéric Larzinière:“My Société Générale advisor recommended trying the solution. I implemented it immediately and it worked very quickly.”

SGF: How would you describe your user experience?
Frédéric Larzinière:“It’s an accessible, seamless solution that requires no training or prior support. The process is fast—the technology validates files in moments. As a business owner, you don’t have time to waste; if it’s not smooth, you move on. Here, everything’s well done:

• Transfer within 24 hours* and capacity displayed quickly
• 100% digital journey, fast eligibility and validation
• Fixed, transparent pricing—you only pay when you use it
• You keep the commercial relationship with your clients
• You benefit from built-in guarantee coverage in case of debtor default

SGF: For your business, what were you expecting from a short‑term financing solution?
Frédéric Larzinière:“Factoring solutions often target higher volumes that don’t always match our profile. I was looking for a simple, fast, and autonomous way to access one‑off invoice financing and obtain cash without weighing down our invoicing processes. Avance Facture perfectly meets this need: you finance an invoice and choose the term based on the cost—it’s clear and controllable.”

Why is this solution decisive for us? Because it allows us to:

• Manage cash flow gaps (collection delays, seasonality) on demand.
• Lighten admin: 100% digital journey, quick eligibility, rapid disbursement.
• Gain full autonomy: test, submit, and track from the Société Générale client space.

SGF: Avance Facture vs. factoring, how do you position the two?
Frédéric Larzinière:“Factoring works well for companies with recurring volumes and a desire to outsource. Avance Facture is better suited to occasional needs.
In practice:

• Zero commitment, zero subscription; you keep the client relationship.
• Capacity displayed quickly and transfer within 24 hours* (instant), with no ancillary fees
• Fixed & transparent pricing, controlled by term.

SGF: Did the pricing model influence your choice?
Frédéric Larzinière: “Yes, because the price is clear and you only pay when you use it—especially when cash is tight and customer payments arrive with a lag.”

SGF: What is the concrete impact on your day‑to‑day management?
Frédéric Larzinière: “Fast validation thanks to the algorithm and a smooth experience. No paperwork, no wasted time. I submit the invoice, choose my term, it’s validated very quickly, and I can focus on my business.
This confirms the efficiency of the infrastructure in the automatic verification of the invoice and debtor—near‑instant decision, rapid funds availability. The journey is integrated into the Société Générale banking space, ensuring banking‑grade security and compliance. It’s also about ease of use and the time/benefit ratio-an immediate impact on cash flow and on management.”

SGF:How are you protected if your client doesn’t pay?
Frédéric Larzinière:“The built‑in guarantee is truly reassuring—the risk of client default is covered without complicating the process.”

SGF: How often do you use Avance Facture today, and on which types of invoices do you most often trigger the solution?
Frédéric Larzinière:“I use it for medium‑amount B2B invoices when the due date is far out-the benefit is staying agile without changing our processes. I request financing as soon as I spot a collection delay or the need to secure cash to move a business action forward, while preserving the commercial relationship.”

SGF: Would you recommend Avance Facture to other companies? Why?
Frédéric Larzinière:“Yes for its smoothness, ease of use, and time/benefit ratio, fast to set up and immediate impact on cash flow. In a context of tight liquidity, Avance Facture’s flexibility makes the difference.”

“Simple, fast, and financially transparent.” For Negocom, Avance Facture ticks the boxes that matter day‑to‑day. By financing invoice by invoice, the company smooths cash troughs without changing processes, while benefiting from default coverage and a journey integrated into its Société Générale space.
The result: less admin, more agility, and an immediate impact on cash flow.

Test your capacity from your client space or talk to your Société Générale advisor.
Learn more about Avance Facture

*Within 24 hours: indicative timeframe, subject to invoice eligibility and acceptance.