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Les éléments réglementaires (article D133-22 du Code de la sécurité sociale, article L.133-8-5, décret n°2024-1161) sont datés du 22 mai 2026 et susceptibles d'évoluer ; vérifiez les sources officielles Légifrance et Urssaf.",{"title":7,"searchDepth":983,"depth":983,"links":984},3,[985,987,988,989,990,991,992,993],{"id":126,"depth":986,"text":129},2,{"id":225,"depth":986,"text":39},{"id":306,"depth":986,"text":309},{"id":471,"depth":986,"text":474},{"id":604,"depth":986,"text":607},{"id":697,"depth":986,"text":700},{"id":787,"depth":986,"text":790},{"id":914,"depth":986,"text":917},"markdown","content:blog:2026:garantie-financiere-sap-refus-criteres-eligibilite.md","content","blog\u002F2026\u002Fgarantie-financiere-sap-refus-criteres-eligibilite.md","blog\u002F2026\u002Fgarantie-financiere-sap-refus-criteres-eligibilite","md",[1001,2304,3172],{"_path":1002,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":1003,"description":1004,"slug":1005,"publishedAt":11,"updatedAt":11,"author":1006,"reviewedBy":17,"dataset":1007,"cover":1067,"categories":1070,"tags":1071,"readingTime":1076,"featured":6,"status":34,"seo":1077,"faq":1079,"body":1092,"_type":994,"_id":2301,"_source":996,"_file":2302,"_stem":2303,"_extension":999},"\u002Fblog\u002F2026\u002Factivites-sap-eligibles-avance-immediate-avim","Activités SAP éligibles à l'Avance Immédiate (AVIM) : la liste 2026","La liste 2026 des activités de services à la personne éligibles à l'Avance Immédiate du crédit d'impôt (AVIM), les activités à agrément obligatoire et le lien avec l'obligation de garantie financière (D133-22).","activites-sap-eligibles-avance-immediate-avim",{"name":13,"slug":14,"role":15,"bio":16},{"name":1008,"description":1009,"rows":1010},"Activités de services à la personne éligibles à l'Avance Immédiate (AVIM)","Liste 2026 des activités de services à la personne ouvrant droit au crédit d'impôt et utilisables via l'Avance Immédiate, avec mention de l'agrément préfectoral obligatoire le cas échéant (art. 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Elles se regroupent en quatre familles : garde et soutien aux enfants, assistance aux personnes vulnérables, entretien du domicile et services pratiques, restauration et courses à domicile. La liste 2026 complète figure dans cet article.",{"question":1084,"answer":1085},"Quelles activités nécessitent un agrément ?","Certaines activités exigent un agrément préfectoral préalable : la garde d'enfants de moins de 3 ans à domicile, l'accompagnement d'enfants de moins de 3 ans ou de moins de 18 ans handicapés, la garde de personnes de moins de 16 ans handicapées, l'assistance aux personnes âgées et handicapées, l'accompagnement des personnes en dehors de leur domicile et la conduite du véhicule de personnes ayant des difficultés de mobilité. Ces activités s'adressent aux publics fragiles.",{"question":1087,"answer":1088},"Toutes les activités de services à la personne donnent-elles droit au crédit d'impôt ?","Seules les activités listées au titre des services à la personne ouvrant droit à l'avantage fiscal donnent droit au crédit d'impôt et, donc, à l'Avance Immédiate. Une activité hors de cette liste ne peut pas utiliser le dispositif AVIM.",{"question":1090,"answer":1091},"Le choix d'activité change-t-il mon obligation de garantie financière ?","Non. Dès qu'un organisme utilise l'Avance Immédiate, la garantie financière de l'article D.133-22 devient obligatoire selon les conditions habituelles : dès le premier euro en cas d'encaissement d'acompte, sinon dès 200 000 € TTC de prestations par an. 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Il ne constitue pas un conseil juridique. La liste des activités et les obligations citées sont celles applicables à la date du 22 mai 2026 (art. L.7231-1 du code du travail ; art. L.133-8-5 et D.133-22 du Code de la sécurité sociale ; décret n°2024-1161 du 4 décembre 2024) ; vérifiez les sources officielles sur Légifrance, service-public.fr et Urssaf.",{"title":7,"searchDepth":983,"depth":983,"links":2288},[2289,2290,2291,2297,2298,2299,2300],{"id":126,"depth":986,"text":129},{"id":1286,"depth":986,"text":1289},{"id":1362,"depth":986,"text":1365,"children":2292},[2293,2294,2295,2296],{"id":1387,"depth":983,"text":1390},{"id":1480,"depth":983,"text":1483},{"id":1631,"depth":983,"text":1634},{"id":1746,"depth":983,"text":1749},{"id":1835,"depth":986,"text":1838},{"id":1988,"depth":986,"text":1991},{"id":787,"depth":986,"text":790},{"id":914,"depth":986,"text":917},"content:blog:2026:activites-sap-eligibles-avance-immediate-avim.md","blog\u002F2026\u002Factivites-sap-eligibles-avance-immediate-avim.md","blog\u002F2026\u002Factivites-sap-eligibles-avance-immediate-avim",{"_path":2305,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":2306,"description":2307,"slug":2308,"publishedAt":11,"updatedAt":11,"author":2309,"reviewedBy":17,"cover":2310,"categories":2312,"tags":2313,"readingTime":33,"featured":6,"status":34,"seo":2319,"faq":2321,"body":2337,"_type":994,"_id":3169,"_source":996,"_file":3170,"_stem":3171,"_extension":999},"\u002Fblog\u002F2026\u002Fcaution-garantie-financiere-assurance-difference-avim","Caution, garantie financière, assurance : quelles différences pour l'AVIM ?","Caution, garantie financière, assurance : trois termes souvent confondus pour l'AVIM. 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On l'appelle souvent « caution AVIM » dans le langage courant, mais ce n'est ni une assurance qui indemnise votre entreprise, ni une simple caution bancaire. C'est un engagement de garantie au bénéfice de l'Urssaf.",{"question":2326,"answer":2327},"Qui peut délivrer la garantie financière ?","Trois types d'organismes habilités peuvent la délivrer : un établissement de crédit, une société de financement, ou une entreprise d'assurance, dont le siège se situe en France ou dans l'Espace économique européen (EEE). C'est l'article D133-22 du Code de la sécurité sociale qui fixe cette liste.",{"question":2329,"answer":2330},"Caution bancaire et garantie financière, est-ce pareil ?","Non. La caution bancaire est une forme possible de garantie : l'établissement de crédit s'engage, souvent contre un nantissement ou un blocage de fonds. La garantie financière exigée pour l'AVIM est l'engagement écrit lui-même, qui peut aussi être délivré par une entreprise d'assurance, sans immobiliser la trésorerie de l'entreprise.",{"question":2332,"answer":2333},"Faut-il une assurance en plus de la garantie financière ?","La garantie financière et la responsabilité civile professionnelle (RC Pro) sont deux choses différentes. La garantie financière conditionne l'accès à l'AVIM ; la RC Pro couvre les dommages causés à des tiers. L'une ne remplace jamais l'autre. Selon votre activité, vous pouvez avoir besoin des deux.",{"question":2335,"answer":2336},"La garantie financière protège-t-elle mon entreprise ?","Non, elle ne vous indemnise pas. La garantie financière protège l'Urssaf : si votre organisme ne reverse pas correctement les sommes du dispositif, le garant s'engage. Pour votre entreprise, son rôle est de conditionner l'accès à l'Avance Immédiate du crédit d'impôt, pas de vous couvrir.",{"type":54,"children":2338,"toc":3160},[2339,2353,2388,2392,2523,2529,2548,2560,2578,2592,2598,2603,2670,2837,2849,2854,2878,2909,2927,2937,2942,2953,2990,3008,3016,3027,3031,3062,3085,3096,3101,3105,3138,3149,3152],{"type":57,"tag":58,"props":2340,"children":2341},{},[2342],{"type":57,"tag":62,"props":2343,"children":2344},{},[2345,2347,2351],{"type":66,"value":2346},"Guide 2026 — Mis à jour le 22 mai 2026. Caution, garantie financière, assurance : trois mots souvent employés l'un pour l'autre autour de l'",{"type":57,"tag":69,"props":2348,"children":2349},{},[2350],{"type":66,"value":169},{"type":66,"value":2352},". 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Ce qui déclenche l'obligation, c'est l'usage du dispositif AVIM, pas l'étiquette. Analyse et solution Tutassûr dès 788 €\u002Fan.","mandataire-prestataire-garantie-financiere-sap",{"name":13,"slug":14,"role":15,"bio":16},{"src":3179,"alt":3180,"width":21,"height":22},"\u002Fblog\u002Fmandataire-prestataire-garantie-financiere-sap\u002Fcover.svg","Mode mandataire ou prestataire : qui doit la garantie financière SAP — Tutassûr",[24],[3183,3184,3185,3186,3187,237,32],"mode mandataire prestataire","garantie financière mandataire","garantie financière prestataire SAP","SAP mode d'intervention","AVIM mandataire prestataire",{"ogImage":3179,"metaKeywords":3189},[3183,3184,3185,3186,3187,237],[3191,3194,3197,3200,3203],{"question":3192,"answer":3193},"Quelle différence entre mode mandataire et prestataire ?","En mode prestataire, l'organisme SAP est l'employeur de l'intervenant et facture lui-même la prestation au client. En mode mandataire, c'est le particulier qui devient l'employeur direct de l'intervenant ; l'organisme assure la mise en relation et gère les formalités pour le compte du particulier. Les flux financiers et le rôle de l'organisme diffèrent donc selon le mode.",{"question":3195,"answer":3196},"Le mode mandataire est-il concerné par la garantie financière ?","Cela dépend des modalités concrètes. Ce qui déclenche l'obligation de garantie financière, c'est l'utilisation effective du dispositif Avance Immédiate (AVIM) et le fait de produire des demandes de paiement ou de percevoir un acompte — pas l'étiquette « mandataire » en soi. Si, en mode mandataire, l'organisme transmet les demandes de paiement dans le dispositif ou perçoit un acompte, il peut être tenu de présenter la garantie. Une analyse au cas par cas est nécessaire.",{"question":3198,"answer":3199},"Qui doit la garantie en mode prestataire ?","En mode prestataire, l'organisme utilise le dispositif et centralise les flux ; il est donc directement concerné dès lors qu'il utilise l'Avance Immédiate. L'obligation s'applique dès le 1er euro s'il perçoit un acompte, et sinon dès 200 000 € TTC par an de prestations déclarées.",{"question":3201,"answer":3202},"Une structure mixte (mandataire et prestataire) doit-elle une garantie ?","Il convient d'analyser les flux au cas par cas. Si la structure utilise le dispositif AVIM et produit des demandes de paiement ou perçoit un acompte au titre de son activité prestataire, l'obligation s'apprécie sur cette base. Le mieux est de faire vérifier votre situation pour dimensionner correctement la garantie.",{"question":3204,"answer":3205},"Comment savoir si je suis concerné ?","Posez-vous deux questions : utilisez-vous le dispositif Avance Immédiate, et est-ce vous qui transmettez les demandes de paiement et\u002Fou percevez un acompte ? Si oui, vous êtes concerné par la garantie financière. En cas de doute, Tutassûr analyse vos flux et vous répond sous 24 h, avec une attestation conforme D133-22 à partir de 788 €\u002Fan.",{"type":54,"children":3207,"toc":3992},[3208,3229,3254,3258,3397,3403,3463,3475,3560,3572,3578,3611,3634,3662,3700,3715,3721,3739,3751,3763,3769,3809,3828,3834,3852,3862,3911,3916,3927,3943,3947,3952,3975,3981,3984],{"type":57,"tag":58,"props":3209,"children":3210},{},[3211],{"type":57,"tag":62,"props":3212,"children":3213},{},[3214,3216,3221,3223,3227],{"type":66,"value":3215},"Guide 2026 — Mis à jour le 22 mai 2026. Cet article explique comment le ",{"type":57,"tag":69,"props":3217,"children":3218},{},[3219],{"type":66,"value":3220},"mode d'intervention",{"type":66,"value":3222}," (mandataire ou prestataire) influe sur l'obligation de ",{"type":57,"tag":69,"props":3224,"children":3225},{},[3226],{"type":66,"value":1126},{"type":66,"value":3228}," liée à l'Avance Immédiate de l'Urssaf.",{"type":57,"tag":58,"props":3230,"children":3231},{},[3232,3234,3238,3240,3245,3247,3252],{"type":66,"value":3233},"Mandataire ou prestataire ? La question revient souvent dès qu'il s'agit de ",{"type":57,"tag":69,"props":3235,"children":3236},{},[3237],{"type":66,"value":85},{"type":66,"value":3239},". La réponse tient en une phrase : ce qui déclenche l'obligation, ce n'est pas l'étiquette du mode d'intervention, mais ",{"type":57,"tag":69,"props":3241,"children":3242},{},[3243],{"type":66,"value":3244},"l'utilisation effective du dispositif Avance Immédiate (AVIM)",{"type":66,"value":3246}," et le fait de ",{"type":57,"tag":69,"props":3248,"children":3249},{},[3250],{"type":66,"value":3251},"produire des demandes de paiement",{"type":66,"value":3253}," ou de percevoir un acompte. Décryptage prudent, mode par mode.",{"type":57,"tag":124,"props":3255,"children":3256},{"id":126},[3257],{"type":66,"value":129},{"type":57,"tag":131,"props":3259,"children":3260},{},[3261,3285,3308,3332,3349,3365],{"type":57,"tag":135,"props":3262,"children":3263},{},[3264,3269,3271,3276,3278,3283],{"type":57,"tag":69,"props":3265,"children":3266},{},[3267],{"type":66,"value":3268},"Deux modes d'intervention",{"type":66,"value":3270}," : en ",{"type":57,"tag":69,"props":3272,"children":3273},{},[3274],{"type":66,"value":3275},"prestataire",{"type":66,"value":3277},", l'organisme est l'employeur et facture la prestation ; en ",{"type":57,"tag":69,"props":3279,"children":3280},{},[3281],{"type":66,"value":3282},"mandataire",{"type":66,"value":3284},", le particulier est l'employeur et l'organisme gère les formalités pour son compte.",{"type":57,"tag":135,"props":3286,"children":3287},{},[3288,3293,3295,3300,3301,3306],{"type":57,"tag":69,"props":3289,"children":3290},{},[3291],{"type":66,"value":3292},"Le déclencheur n'est pas l'étiquette",{"type":66,"value":3294}," : c'est l'",{"type":57,"tag":69,"props":3296,"children":3297},{},[3298],{"type":66,"value":3299},"utilisation du dispositif AVIM",{"type":66,"value":3246},{"type":57,"tag":69,"props":3302,"children":3303},{},[3304],{"type":66,"value":3305},"porter les demandes de paiement",{"type":66,"value":3307}," \u002F percevoir un acompte qui crée l'obligation de garantie financière (aussi appelée « caution AVIM »).",{"type":57,"tag":135,"props":3309,"children":3310},{},[3311,3316,3318,3323,3325,3330],{"type":57,"tag":69,"props":3312,"children":3313},{},[3314],{"type":66,"value":3315},"Mode prestataire",{"type":66,"value":3317}," : l'organisme utilise le dispositif et centralise les flux → directement concerné, dès le ",{"type":57,"tag":69,"props":3319,"children":3320},{},[3321],{"type":66,"value":3322},"1er euro",{"type":66,"value":3324}," en cas d'acompte, sinon dès ",{"type":57,"tag":69,"props":3326,"children":3327},{},[3328],{"type":66,"value":3329},"200 000 € TTC\u002Fan",{"type":66,"value":3331}," de prestations déclarées.",{"type":57,"tag":135,"props":3333,"children":3334},{},[3335,3340,3342,3347],{"type":57,"tag":69,"props":3336,"children":3337},{},[3338],{"type":66,"value":3339},"Mode mandataire",{"type":66,"value":3341}," : l'obligation s'apprécie selon ",{"type":57,"tag":69,"props":3343,"children":3344},{},[3345],{"type":66,"value":3346},"qui utilise le dispositif et porte les demandes de paiement",{"type":66,"value":3348}," ; l'analyse dépend des modalités concrètes.",{"type":57,"tag":135,"props":3350,"children":3351},{},[3352,3357,3359,3364],{"type":57,"tag":69,"props":3353,"children":3354},{},[3355],{"type":66,"value":3356},"Structures mixtes et têtes de réseau",{"type":66,"value":3358}," : il convient d'",{"type":57,"tag":69,"props":3360,"children":3361},{},[3362],{"type":66,"value":3363},"analyser les flux au cas par cas",{"type":66,"value":222},{"type":57,"tag":135,"props":3366,"children":3367},{},[3368,3372,3374,3378,3380,3385,3386,3390,3392,3396],{"type":57,"tag":69,"props":3369,"children":3370},{},[3371],{"type":66,"value":199},{"type":66,"value":3373}," : analyse de votre situation, réponse sous ",{"type":57,"tag":69,"props":3375,"children":3376},{},[3377],{"type":66,"value":206},{"type":66,"value":3379},", attestation conforme ",{"type":57,"tag":69,"props":3381,"children":3382},{},[3383],{"type":66,"value":3384},"D133-22",{"type":66,"value":208},{"type":57,"tag":69,"props":3387,"children":3388},{},[3389],{"type":66,"value":213},{"type":66,"value":3391},". Échéance des contrôles : ",{"type":57,"tag":69,"props":3393,"children":3394},{},[3395],{"type":66,"value":220},{"type":66,"value":222},{"type":57,"tag":124,"props":3398,"children":3400},{"id":3399},"mandataire-vs-prestataire-la-différence",[3401],{"type":66,"value":3402},"Mandataire vs prestataire : la différence",{"type":57,"tag":58,"props":3404,"children":3405},{},[3406,3408,3413,3415,3420,3422,3427,3429,3434,3436,3441,3443,3448,3450,3455,3456,3461],{"type":66,"value":3407},"Les deux modes répondent à des logiques distinctes. En ",{"type":57,"tag":69,"props":3409,"children":3410},{},[3411],{"type":66,"value":3412},"mode prestataire",{"type":66,"value":3414},", l'organisme de services à la personne est l'",{"type":57,"tag":69,"props":3416,"children":3417},{},[3418],{"type":66,"value":3419},"employeur",{"type":66,"value":3421}," des intervenants : il recrute, encadre, rémunère, puis ",{"type":57,"tag":69,"props":3423,"children":3424},{},[3425],{"type":66,"value":3426},"facture la prestation",{"type":66,"value":3428}," directement au client. En ",{"type":57,"tag":69,"props":3430,"children":3431},{},[3432],{"type":66,"value":3433},"mode mandataire",{"type":66,"value":3435},", c'est le ",{"type":57,"tag":69,"props":3437,"children":3438},{},[3439],{"type":66,"value":3440},"particulier",{"type":66,"value":3442}," qui devient l'",{"type":57,"tag":69,"props":3444,"children":3445},{},[3446],{"type":66,"value":3447},"employeur direct",{"type":66,"value":3449}," de l'intervenant ; l'organisme se charge de la ",{"type":57,"tag":69,"props":3451,"children":3452},{},[3453],{"type":66,"value":3454},"mise en relation",{"type":66,"value":461},{"type":57,"tag":69,"props":3457,"children":3458},{},[3459],{"type":66,"value":3460},"formalités administratives",{"type":66,"value":3462}," (déclarations, bulletins de paie, etc.) pour le compte du particulier.",{"type":57,"tag":58,"props":3464,"children":3465},{},[3466,3468,3473],{"type":66,"value":3467},"Cette différence de rôle entraîne une différence de ",{"type":57,"tag":69,"props":3469,"children":3470},{},[3471],{"type":66,"value":3472},"flux financiers",{"type":66,"value":3474},", et c'est précisément ce point qui compte pour la garantie financière.",{"type":57,"tag":323,"props":3476,"children":3477},{},[3478,3479,3499,3500],{"type":66,"value":327},{"type":57,"tag":329,"props":3480,"children":3481},{},[3482,3483,3498],{"type":66,"value":333},{"type":57,"tag":335,"props":3484,"children":3485},{},[3486,3490,3494],{"type":57,"tag":339,"props":3487,"children":3488},{},[3489],{"type":66,"value":2685},{"type":57,"tag":339,"props":3491,"children":3492},{},[3493],{"type":66,"value":3315},{"type":57,"tag":339,"props":3495,"children":3496},{},[3497],{"type":66,"value":3339},{"type":66,"value":327},{"type":66,"value":327},{"type":57,"tag":357,"props":3501,"children":3502},{},[3503,3504,3522,3523,3540,3541,3559],{"type":66,"value":333},{"type":57,"tag":335,"props":3505,"children":3506},{},[3507,3512,3517],{"type":57,"tag":365,"props":3508,"children":3509},{},[3510],{"type":66,"value":3511},"Qui est l'employeur de l'intervenant ?",{"type":57,"tag":365,"props":3513,"children":3514},{},[3515],{"type":66,"value":3516},"L'organisme SAP",{"type":57,"tag":365,"props":3518,"children":3519},{},[3520],{"type":66,"value":3521},"Le particulier (employeur direct)",{"type":66,"value":333},{"type":57,"tag":335,"props":3524,"children":3525},{},[3526,3531,3535],{"type":57,"tag":365,"props":3527,"children":3528},{},[3529],{"type":66,"value":3530},"Qui facture \u002F refacture la prestation ?",{"type":57,"tag":365,"props":3532,"children":3533},{},[3534],{"type":66,"value":3516},{"type":57,"tag":365,"props":3536,"children":3537},{},[3538],{"type":66,"value":3539},"Logique de mandat : l'organisme gère pour le compte du particulier",{"type":66,"value":333},{"type":57,"tag":335,"props":3542,"children":3543},{},[3544,3549,3554],{"type":57,"tag":365,"props":3545,"children":3546},{},[3547],{"type":66,"value":3548},"Qui porte les flux liés à l'AVIM ?",{"type":57,"tag":365,"props":3550,"children":3551},{},[3552],{"type":66,"value":3553},"L'organisme centralise les flux",{"type":57,"tag":365,"props":3555,"children":3556},{},[3557],{"type":66,"value":3558},"À apprécier selon les modalités concrètes",{"type":66,"value":327},{"type":57,"tag":58,"props":3561,"children":3562},{},[3563,3565,3570],{"type":66,"value":3564},"À retenir : l'étiquette ne décide de rien à elle seule. C'est l'",{"type":57,"tag":69,"props":3566,"children":3567},{},[3568],{"type":66,"value":3569},"usage réel du dispositif AVIM",{"type":66,"value":3571}," qui tranche.",{"type":57,"tag":124,"props":3573,"children":3575},{"id":3574},"qui-doit-la-garantie-financière",[3576],{"type":66,"value":3577},"Qui doit la garantie financière",{"type":57,"tag":58,"props":3579,"children":3580},{},[3581,3583,3588,3590,3595,3597,3602,3604,3609],{"type":66,"value":3582},"L'élément déclencheur est toujours le même : ",{"type":57,"tag":69,"props":3584,"children":3585},{},[3586],{"type":66,"value":3587},"utiliser le dispositif Avance Immédiate et produire des demandes de paiement",{"type":66,"value":3589}," dans ce dispositif (ou percevoir un acompte). C'est l'",{"type":57,"tag":69,"props":3591,"children":3592},{},[3593],{"type":66,"value":3594},"article L.133-8-5 du Code de la sécurité sociale",{"type":66,"value":3596}," qui encadre l'Avance Immédiate, et l'",{"type":57,"tag":69,"props":3598,"children":3599},{},[3600],{"type":66,"value":3601},"article D.133-22",{"type":66,"value":3603}," (issu du ",{"type":57,"tag":69,"props":3605,"children":3606},{},[3607],{"type":66,"value":3608},"décret n°2024-1161",{"type":66,"value":3610},") qui pose l'exigence de garantie financière.",{"type":57,"tag":58,"props":3612,"children":3613},{},[3614,3619,3621,3626,3627,3632],{"type":57,"tag":69,"props":3615,"children":3616},{},[3617],{"type":66,"value":3618},"En mode prestataire",{"type":66,"value":3620},", le raisonnement est direct. L'organisme ",{"type":57,"tag":69,"props":3622,"children":3623},{},[3624],{"type":66,"value":3625},"utilise le dispositif",{"type":66,"value":2513},{"type":57,"tag":69,"props":3628,"children":3629},{},[3630],{"type":66,"value":3631},"centralise les flux",{"type":66,"value":3633}," : il est donc concerné dès lors qu'il recourt à l'Avance Immédiate. Les seuils habituels s'appliquent :",{"type":57,"tag":131,"props":3635,"children":3636},{},[3637,3652],{"type":57,"tag":135,"props":3638,"children":3639},{},[3640,3644,3646,3651],{"type":57,"tag":69,"props":3641,"children":3642},{},[3643],{"type":66,"value":1237},{"type":66,"value":3645}," si l'organisme perçoit un ",{"type":57,"tag":69,"props":3647,"children":3648},{},[3649],{"type":66,"value":3650},"acompte",{"type":66,"value":508},{"type":57,"tag":135,"props":3653,"children":3654},{},[3655,3660],{"type":57,"tag":69,"props":3656,"children":3657},{},[3658],{"type":66,"value":3659},"dès 200 000 € TTC par an",{"type":66,"value":3661}," de prestations déclarées dans les autres cas.",{"type":57,"tag":58,"props":3663,"children":3664},{},[3665,3670,3672,3677,3679,3684,3686,3691,3693,3698],{"type":57,"tag":69,"props":3666,"children":3667},{},[3668],{"type":66,"value":3669},"En mode mandataire",{"type":66,"value":3671},", l'obligation ",{"type":57,"tag":69,"props":3673,"children":3674},{},[3675],{"type":66,"value":3676},"s'apprécie selon qui utilise effectivement le dispositif et qui porte les demandes de paiement",{"type":66,"value":3678},". 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Il n'existe pas de réponse automatique : ",{"type":57,"tag":69,"props":3694,"children":3695},{},[3696],{"type":66,"value":3697},"il convient d'analyser les modalités concrètes",{"type":66,"value":3699}," de fonctionnement.",{"type":57,"tag":1347,"props":3701,"children":3702},{},[3703],{"type":57,"tag":58,"props":3704,"children":3705},{},[3706,3708,3713],{"type":66,"value":3707},"En résumé : ce n'est pas le mot « mandataire » ou « prestataire » qui crée l'obligation, mais ",{"type":57,"tag":69,"props":3709,"children":3710},{},[3711],{"type":66,"value":3712},"la réalité des flux",{"type":66,"value":3714}," autour de l'Avance Immédiate.",{"type":57,"tag":124,"props":3716,"children":3718},{"id":3717},"le-cas-des-structures-mixtes",[3719],{"type":66,"value":3720},"Le cas des structures mixtes",{"type":57,"tag":58,"props":3722,"children":3723},{},[3724,3726,3731,3733,3738],{"type":66,"value":3725},"De nombreuses structures interviennent ",{"type":57,"tag":69,"props":3727,"children":3728},{},[3729],{"type":66,"value":3730},"à la fois",{"type":66,"value":3732}," en mandataire et en prestataire. 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Une structure mixte peut donc être concernée au titre de son activité prestataire, ou de tout flux mandataire qu'elle porte effectivement dans le dispositif.",{"type":57,"tag":58,"props":3752,"children":3753},{},[3754,3756,3761],{"type":66,"value":3755},"Compte tenu de cette complexité, ",{"type":57,"tag":69,"props":3757,"children":3758},{},[3759],{"type":66,"value":3760},"un examen au cas par cas",{"type":66,"value":3762}," reste la seule approche fiable pour dimensionner correctement la garantie et éviter une régularisation en cours d'année.",{"type":57,"tag":124,"props":3764,"children":3766},{"id":3765},"le-cas-des-têtes-de-réseau",[3767],{"type":66,"value":3768},"Le cas des têtes de réseau",{"type":57,"tag":58,"props":3770,"children":3771},{},[3772,3774,3779,3781,3786,3788,3793,3795,3800,3802,3807],{"type":66,"value":3773},"Lorsqu'une ",{"type":57,"tag":69,"props":3775,"children":3776},{},[3777],{"type":66,"value":3778},"tête de réseau",{"type":66,"value":3780}," utilise l'Avance Immédiate ",{"type":57,"tag":69,"props":3782,"children":3783},{},[3784],{"type":66,"value":3785},"pour ses membres",{"type":66,"value":3787}," via l'",{"type":57,"tag":69,"props":3789,"children":3790},{},[3791],{"type":66,"value":3792},"API Tiers de prestations",{"type":66,"value":3794},", c'est elle qui ",{"type":57,"tag":69,"props":3796,"children":3797},{},[3798],{"type":66,"value":3799},"produit les demandes de paiement",{"type":66,"value":3801}," dans le dispositif. Dans cette configuration, elle ",{"type":57,"tag":69,"props":3803,"children":3804},{},[3805],{"type":66,"value":3806},"porte la garantie financière",{"type":66,"value":3808}," pour les demandes de paiement qu'elle produit.",{"type":57,"tag":58,"props":3810,"children":3811},{},[3812,3814,3819,3821,3826],{"type":66,"value":3813},"Point d'attention pratique : l'",{"type":57,"tag":69,"props":3815,"children":3816},{},[3817],{"type":66,"value":3818},"attestation de garantie",{"type":66,"value":3820}," doit alors ",{"type":57,"tag":69,"props":3822,"children":3823},{},[3824],{"type":66,"value":3825},"indiquer quel utilisateur de l'API est couvert",{"type":66,"value":3827},". Cette précision évite toute ambiguïté lors d'un contrôle et sécurise la chaîne pour l'ensemble du réseau.",{"type":57,"tag":124,"props":3829,"children":3831},{"id":3830},"comment-lever-le-doute-la-solution-tutassûr",[3832],{"type":66,"value":3833},"Comment lever le doute : la solution Tutassûr",{"type":57,"tag":58,"props":3835,"children":3836},{},[3837,3839,3844,3846,3851],{"type":66,"value":3838},"Entre les modes d'intervention, les structures mixtes et les configurations en réseau, la réponse dépend des ",{"type":57,"tag":69,"props":3840,"children":3841},{},[3842],{"type":66,"value":3843},"modalités concrètes",{"type":66,"value":3845}," de vos flux. Plutôt que de trancher seul, mieux vaut faire ",{"type":57,"tag":69,"props":3847,"children":3848},{},[3849],{"type":66,"value":3850},"analyser votre situation",{"type":66,"value":222},{"type":57,"tag":58,"props":3853,"children":3854},{},[3855,3856,3860],{"type":66,"value":795},{"type":57,"tag":69,"props":3857,"children":3858},{},[3859],{"type":66,"value":13},{"type":66,"value":3861},", courtier en assurances (ORIAS n°22001730, sous le contrôle de l'ACPR), nous vous accompagnons de bout en bout :",{"type":57,"tag":131,"props":3863,"children":3864},{},[3865,3875,3885,3893,3902],{"type":57,"tag":135,"props":3866,"children":3867},{},[3868,3873],{"type":57,"tag":69,"props":3869,"children":3870},{},[3871],{"type":66,"value":3872},"analyse de vos flux",{"type":66,"value":3874}," pour déterminer si — et au titre de quelle activité — vous êtes concerné ;",{"type":57,"tag":135,"props":3876,"children":3877},{},[3878,3883],{"type":57,"tag":69,"props":3879,"children":3880},{},[3881],{"type":66,"value":3882},"demande via une interface digitale dédiée",{"type":66,"value":3884},", sans recherche de garant à mener vous-même ;",{"type":57,"tag":135,"props":3886,"children":3887},{},[3888,3892],{"type":57,"tag":69,"props":3889,"children":3890},{},[3891],{"type":66,"value":858},{"type":66,"value":508},{"type":57,"tag":135,"props":3894,"children":3895},{},[3896,3900],{"type":57,"tag":69,"props":3897,"children":3898},{},[3899],{"type":66,"value":3083},{"type":66,"value":3901},", prête à transmettre à l'Urssaf ;",{"type":57,"tag":135,"props":3903,"children":3904},{},[3905,3909],{"type":57,"tag":69,"props":3906,"children":3907},{},[3908],{"type":66,"value":878},{"type":66,"value":3910}," (TTC, pour une structure établie de plus de 3 ans avec liasse fiscale certifiée ; prix définitif selon le volume d'activité et l'ancienneté).",{"type":57,"tag":58,"props":3912,"children":3913},{},[3914],{"type":66,"value":3915},"Nous nous appuyons sur notre porteur de risque partenaire pour délivrer une garantie conforme, sans que vous ayez à arbitrer entre plusieurs interlocuteurs.",{"type":57,"tag":58,"props":3917,"children":3918},{},[3919],{"type":57,"tag":903,"props":3920,"children":3921},{"href":905},[3922],{"type":57,"tag":69,"props":3923,"children":3924},{},[3925],{"type":66,"value":3926},"Obtenir mon attestation de garantie financière SAP →",{"type":57,"tag":58,"props":3928,"children":3929},{},[3930,3932,3941],{"type":66,"value":3931},"Vous préférez vérifier d'abord votre éligibilité et votre montant ? Lancez le ",{"type":57,"tag":903,"props":3933,"children":3935},{"href":955,"rel":3934},[957],[3936],{"type":57,"tag":69,"props":3937,"children":3938},{},[3939],{"type":66,"value":3940},"parcours garantie financière",{"type":66,"value":3942}," en quelques minutes.",{"type":57,"tag":124,"props":3944,"children":3945},{"id":914},[3946],{"type":66,"value":917},{"type":57,"tag":58,"props":3948,"children":3949},{},[3950],{"type":66,"value":3951},"Pour cerner l'obligation dans son ensemble et vos cas d'usage AVIM :",{"type":57,"tag":131,"props":3953,"children":3954},{},[3955,3964],{"type":57,"tag":135,"props":3956,"children":3957},{},[3958,3962],{"type":57,"tag":903,"props":3959,"children":3960},{"href":931},[3961],{"type":66,"value":934},{"type":66,"value":3963}," — l'obligation complète (qui, quand, comment, sources officielles).",{"type":57,"tag":135,"props":3965,"children":3966},{},[3967,3973],{"type":57,"tag":903,"props":3968,"children":3970},{"href":3969},"\u002Fblog\u002Factivites-sap-eligibles-avance-immediate-avim",[3971],{"type":66,"value":3972},"Activités SAP éligibles à l'Avance Immédiate (AVIM)",{"type":66,"value":3974}," — quelles prestations ouvrent droit au dispositif.",{"type":57,"tag":963,"props":3976,"children":3980},{"cta-label":3977,"href":905,"product":966,"subtitle":3978,"title":3979},"Demander mon attestation","Analyse de vos flux et attestation de garantie financière conforme D133-22, solution clé en main à partir de 788 €\u002Fan.","Mandataire, prestataire ou mixte : faites le point en 24 h",[],{"type":57,"tag":971,"props":3982,"children":3983},{},[],{"type":57,"tag":58,"props":3985,"children":3986},{},[3987],{"type":57,"tag":62,"props":3988,"children":3989},{},[3990],{"type":66,"value":3991},"Cet article a été rédigé à des fins d'information générale. Il ne constitue pas un conseil juridique. Les éléments réglementaires (articles L.133-8-5 et D.133-22 du Code de la sécurité sociale, décret n°2024-1161) sont datés du 22 mai 2026 et susceptibles d'évoluer ; vérifiez les sources officielles Légifrance et Urssaf. L'obligation s'apprécie selon les modalités concrètes de chaque organisme : il convient d'analyser votre situation au cas par cas.",{"title":7,"searchDepth":983,"depth":983,"links":3993},[3994,3995,3996,3997,3998,3999,4000],{"id":126,"depth":986,"text":129},{"id":3399,"depth":986,"text":3402},{"id":3574,"depth":986,"text":3577},{"id":3717,"depth":986,"text":3720},{"id":3765,"depth":986,"text":3768},{"id":3830,"depth":986,"text":3833},{"id":914,"depth":986,"text":917},"content:blog:2026:mandataire-prestataire-garantie-financiere-sap.md","blog\u002F2026\u002Fmandataire-prestataire-garantie-financiere-sap.md","blog\u002F2026\u002Fmandataire-prestataire-garantie-financiere-sap",1779471907586]