{"id":878,"date":"2026-08-19T11:21:38","date_gmt":"2026-08-19T11:21:38","guid":{"rendered":"https:\/\/www.rotharia.com\/uncategorized\/family-offices-are-becoming-more-serious-about-private-credit\/"},"modified":"2026-08-19T11:21:38","modified_gmt":"2026-08-19T11:21:38","slug":"les-family-offices-sinteressent-de-plus-en-plus-serieusement-au-credit-prive","status":"publish","type":"post","link":"https:\/\/www.rotharia.com\/fr\/family-offices\/single-family-offices\/family-offices-are-becoming-more-serious-about-private-credit\/","title":{"rendered":"Les family offices s'int\u00e9ressent de plus en plus s\u00e9rieusement au cr\u00e9dit priv\u00e9"},"content":{"rendered":"<figure class=\"wp-block-image size-large\">\n<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4.jpg\" alt=\"\" class=\"wp-image-877\" srcset=\"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4.jpg 1200w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-300x200.jpg 300w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-1024x683.jpg 1024w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-768x512.jpg 768w, https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-18x12.jpg 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/>\n\n<\/figure>\n\n\n<style>body.single-post .cm-featured-image { display: none !important; }<\/style>\n\n\n\n    <meta charset=\"UTF-8\">\n    <title>Les family offices s'int\u00e9ressent de plus en plus s\u00e9rieusement au cr\u00e9dit priv\u00e9<\/title><p data-start=\"58647\" data-end=\"59154\" class=\"PDq2pG_selectionAnchorContainer\">Le capital-investissement a traditionnellement occup\u00e9 une place pr\u00e9pond\u00e9rante dans les discussions des family offices concernant les march\u00e9s priv\u00e9s, car les familles d\u2019entrepreneurs comprennent l\u2019int\u00e9r\u00eat de d\u00e9tenir des entreprises et sont pr\u00eates \u00e0 accepter les longues p\u00e9riodes de d\u00e9tention n\u00e9cessaires \u00e0 leur d\u00e9veloppement. Le cr\u00e9dit priv\u00e9 a pris une place de plus en plus centrale dans les portefeuilles, \u00e0 mesure que la hausse des taux d\u2019int\u00e9r\u00eat, les restrictions en mati\u00e8re de cr\u00e9dit bancaire et l\u2019expansion du march\u00e9 des pr\u00eats directement \u00e9mis ont conduit \u00e0 <a href=\"https:\/\/www.btrustor.com\/longevity-is-changing-the-mathematics-of-inheritance\/\">familles<\/a> une autre fa\u00e7on de mobiliser des capitaux patients sans assumer l'int\u00e9gralit\u00e9 du risque li\u00e9 aux capitaux propres.<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<p data-start=\"59156\" data-end=\"59444\">L'int\u00e9r\u00eat r\u00e9side tout d'abord dans les revenus contractuels. Un investissement dans le capital-investissement d\u00e9pend fortement de la valeur finale \u00e0 laquelle une entreprise pourra \u00eatre c\u00e9d\u00e9e, tandis qu'un pr\u00eateur per\u00e7oit des int\u00e9r\u00eats et s'attend \u00e0 un remboursement selon un \u00e9ch\u00e9ancier convenu, ce qui conf\u00e8re \u00e0 l'investissement une structure de flux de tr\u00e9sorerie plus pr\u00e9visible.<\/p>\n<p data-start=\"59446\" data-end=\"59798\">Cette diff\u00e9rence fait que le cr\u00e9dit priv\u00e9 n'est pas aussi pr\u00e9visible qu'une obligation d'\u00c9tat. Les emprunteurs sont souvent des entreprises qui ont besoin d'un financement sp\u00e9cialis\u00e9, car les march\u00e9s bancaires traditionnels ne peuvent pas ou ne veulent pas leur proposer les conditions dont elles ont besoin ; les investisseurs b\u00e9n\u00e9ficient donc d'un rendement suppl\u00e9mentaire, en partie parce qu'ils acceptent le manque de liquidit\u00e9, la complexit\u00e9 et le risque de cr\u00e9dit.<\/p>\n<p data-start=\"59800\" data-end=\"60041\">Les pr\u00eateurs directs peuvent n\u00e9gocier des garanties dont b\u00e9n\u00e9ficient rarement les d\u00e9tenteurs d'obligations publiques. Les clauses restrictives, les s\u00fbret\u00e9s sur les actifs et l'acc\u00e8s aux informations de l'entreprise permettent aux cr\u00e9anciers de suivre de pr\u00e8s les performances et d'intervenir lorsque la situation financi\u00e8re se d\u00e9t\u00e9riore.<\/p>\n<p data-start=\"60043\" data-end=\"60265\">La documentation rev\u00eat donc une importance capitale. Deux pr\u00eats offrant des rendements similaires peuvent proposer des protections tr\u00e8s diff\u00e9rentes selon le niveau d\u2019endettement, les garanties, la d\u00e9finition des clauses restrictives et la place occup\u00e9e par le pr\u00eateur dans la structure du capital.<\/p>\n<p data-start=\"60267\" data-end=\"60571\">Les family offices doivent disposer d'une expertise suffisante pour cerner ces diff\u00e9rences avant de consid\u00e9rer le cr\u00e9dit priv\u00e9 comme un placement g\u00e9n\u00e9rateur de revenus. Un portefeuille promettant des distributions attractives peut en r\u00e9alit\u00e9 masquer une concentration sur des emprunteurs moins solvables ou des structures agressives dont les risques n'apparaissent que lorsque la conjoncture \u00e9conomique se d\u00e9t\u00e9riore.<\/p>\n<p data-start=\"60573\" data-end=\"60785\">Les pr\u00eats \u00e0 taux variable ont constitu\u00e9 un autre attrait, car leurs coupons s'ajustent en fonction des taux de r\u00e9f\u00e9rence. Les investisseurs en ont tir\u00e9 profit lorsque les taux ont augment\u00e9, tandis que les emprunteurs ont pris en charge la hausse correspondante des co\u00fbts de financement.<\/p>\n<p data-start=\"60787\" data-end=\"61038\">Ce m\u00eame m\u00e9canisme g\u00e9n\u00e8re des tensions au sein m\u00eame du placement. La hausse des taux am\u00e9liore les revenus des pr\u00eateurs jusqu'\u00e0 ce qu'elle exerce une pression suffisante sur l'emprunteur pour affaiblir sa solvabilit\u00e9, ce qui signifie que le coupon le plus \u00e9lev\u00e9 ne correspond pas n\u00e9cessairement au pr\u00eat le plus attractif.<\/p>\n<p data-start=\"61040\" data-end=\"61302\">Le choix du gestionnaire rev\u00eat une importance particuli\u00e8re, car les cotes de cr\u00e9dit priv\u00e9 peuvent \u00e9voluer lentement. Les obligations publiques font l'objet d'une r\u00e9\u00e9valuation continue lorsque les investisseurs s'inqui\u00e8tent au sujet d'une entreprise, tandis que les pr\u00eateurs priv\u00e9s \u00e9valuent souvent leurs positions \u00e0 l'aide de mod\u00e8les et d'\u00e9valuations p\u00e9riodiques.<\/p>\n<p data-start=\"61304\" data-end=\"61556\">Une volatilit\u00e9 apparente plus faible peut donc donner l'impression que le portefeuille est plus stable, sans pour autant \u00e9liminer le risque \u00e9conomique. Les familles doivent faire la distinction entre un actif dont le cours varie rarement sur un relev\u00e9 et un actif dont la situation de l'emprunteur sous-jacent ne peut pas se d\u00e9t\u00e9riorer.<\/p>\n<p data-start=\"61558\" data-end=\"61804\">La taille influe \u00e9galement sur le comportement des gestionnaires. Les soci\u00e9t\u00e9s de cr\u00e9dit priv\u00e9 ont lev\u00e9 d\u2019importants volumes de capitaux et ont besoin d\u2019un nombre suffisant d\u2019op\u00e9rations pour les investir, ce qui peut affaiblir la discipline en mati\u00e8re d\u2019octroi de pr\u00eats si des fonds trop importants se disputent un nombre limit\u00e9 d\u2019emprunteurs de grande qualit\u00e9.<\/p>\n<p data-start=\"61806\" data-end=\"61985\">Les gestionnaires exp\u00e9riment\u00e9s peuvent refuser des op\u00e9rations peu int\u00e9ressantes, m\u00eame s'il devient plus difficile, d'un point de vue commercial, de maintenir cette discipline lorsque les investisseurs s'attendent \u00e0 ce que les capitaux engag\u00e9s soient investis.<\/p>\n<p data-start=\"61987\" data-end=\"62337\">Les family offices peuvent b\u00e9n\u00e9ficier d\u2019un avantage lorsqu\u2019ils investissent directement ou par l\u2019interm\u00e9diaire de gestionnaires sp\u00e9cialis\u00e9s de plus petite taille, car ils peuvent cibler des domaines dans lesquels leurs relations ou leur connaissance du terrain permettent d\u2019am\u00e9liorer l\u2019\u00e9valuation des risques. Une famille dont la fortune provient d\u2019activit\u00e9s industrielles peut ainsi mieux appr\u00e9hender les risques li\u00e9s \u00e0 un pr\u00eat garanti par des \u00e9quipements qu\u2019un gestionnaire g\u00e9n\u00e9raliste.<\/p>\n<p data-start=\"62339\" data-end=\"62602\">Le cr\u00e9dit direct permet \u00e9galement aux familles de tirer parti de leur horizon d\u2019investissement \u00e0 long terme sans devoir compter sur un march\u00e9 de sortie. Un pr\u00eat performant peut g\u00e9n\u00e9rer des rendements gr\u00e2ce aux remboursements contractuels jusqu\u2019\u00e0 son \u00e9ch\u00e9ance, sans qu\u2019il soit n\u00e9cessaire qu\u2019un autre acqu\u00e9reur rach\u00e8te l\u2019entreprise \u00e0 une valorisation plus \u00e9lev\u00e9e.<\/p>\n<p data-start=\"62604\" data-end=\"62859\">La liquidit\u00e9 reste un compromis \u00e0 trouver, car les pr\u00eats priv\u00e9s ne peuvent g\u00e9n\u00e9ralement pas \u00eatre c\u00e9d\u00e9s aussi facilement que les obligations cot\u00e9es. M\u00eame les v\u00e9hicules proposant des remboursements p\u00e9riodiques d\u00e9pendent de la capacit\u00e9 du gestionnaire \u00e0 satisfaire les demandes sans devoir c\u00e9der des actifs \u00e0 des conditions d\u00e9favorables.<\/p>\n<p data-start=\"62861\" data-end=\"63097\">Les familles doivent donc int\u00e9grer le cr\u00e9dit priv\u00e9 dans leur plan global de liquidit\u00e9s. Les versements d'int\u00e9r\u00eats peuvent soutenir les d\u00e9penses, mais les capitaux engag\u00e9s dans cette strat\u00e9gie doivent n\u00e9anmoins \u00eatre consid\u00e9r\u00e9s comme indisponibles pour faire face \u00e0 des besoins familiaux impr\u00e9visibles.<\/p>\n<p data-start=\"63099\" data-end=\"63417\">Le chevauchement des portefeuilles m\u00e9rite une attention particuli\u00e8re, car les m\u00eames entreprises peuvent figurer \u00e0 la fois dans des fonds de capital-investissement, des v\u00e9hicules de cr\u00e9dit priv\u00e9 et des investissements directs. Une famille peut penser avoir diversifi\u00e9 ses placements entre diff\u00e9rents gestionnaires, tout en restant expos\u00e9e \u00e0 des secteurs et \u00e0 des conditions \u00e9conomiques similaires \u00e0 travers plusieurs postes de son bilan.<\/p>\n<p data-start=\"63419\" data-end=\"63678\">Des conflits peuvent surgir lorsqu'un organisme d'investissement d\u00e9tient \u00e0 la fois des titres de cr\u00e9ance et des titres de participation dans des entreprises li\u00e9es. Les investisseurs en capitaux propres tirent profit du fait qu'une entreprise utilise ses capitaux de mani\u00e8re dynamique pour poursuivre sa croissance, tandis que les cr\u00e9anciers souhaitent g\u00e9n\u00e9ralement disposer d'une souplesse financi\u00e8re suffisante pour garantir le remboursement de leurs cr\u00e9ances.<\/p>\n<p data-start=\"63680\" data-end=\"63970\">Le cr\u00e9dit priv\u00e9 peut n\u00e9anmoins jouer un r\u00f4le utile entre les titres \u00e0 revenu fixe, tr\u00e8s liquides, et les actions, peu liquides. Les familles per\u00e7oivent des revenus contractuels et b\u00e9n\u00e9ficient d'une protection structurelle plus importante que les actionnaires ordinaires, tout en acceptant une plus grande complexit\u00e9 et une liquidit\u00e9 moindre que les investisseurs obligataires traditionnels.<\/p>\n<p data-start=\"63972\" data-end=\"64357\">La r\u00e9partition la plus efficace commence donc par le r\u00f4le que les actifs doivent jouer <a href=\"https:\/\/www.rotharia.com\/fr\/categorie\/logiciel-de-gestion-de-patrimoine\/\">ex\u00e9cuter<\/a>. Si une famille souhaite disposer d\u2019un capital d\u00e9fensif imm\u00e9diatement accessible, le cr\u00e9dit priv\u00e9 peut s\u2019av\u00e9rer un pi\u00e8tre substitut aux obligations de haute qualit\u00e9, malgr\u00e9 son rendement plus \u00e9lev\u00e9. En revanche, si elle est en mesure d\u2019engager des fonds pour plusieurs ann\u00e9es et dispose de liquidit\u00e9s suffisantes ailleurs, les revenus suppl\u00e9mentaires et les protections offertes aux cr\u00e9anciers peuvent justifier cette complexit\u00e9.<\/p>\n<p data-start=\"64359\" data-end=\"64651\" data-is-last-node=\"\" data-is-only-node=\"\">Les family offices consid\u00e8rent depuis longtemps le \u00ab capital patient \u00bb comme l'un de leurs atouts dans le domaine du capital-investissement. Le cr\u00e9dit priv\u00e9 leur permet de faire preuve de la m\u00eame patience depuis une position diff\u00e9rente dans la structure du capital, en tirant un rendement du financement d'entreprises tout en laissant \u00e0 d'autres le risque li\u00e9 \u00e0 la d\u00e9tention des titres.<\/p>","protected":false},"excerpt":{"rendered":"<p>Alors que les family offices s'int\u00e9ressent de plus en plus au cr\u00e9dit priv\u00e9, cette tendance ouvre de nouvelles perspectives et pose de nouveaux d\u00e9fis dans le domaine de la gestion de patrimoine. En nous appuyant sur des donn\u00e9es et les analyses d'experts, nous examinons en d\u00e9tail comment ces investissements redessinent le paysage financier.<\/p>","protected":false},"author":2,"featured_media":877,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","footnotes":""},"categories":[9],"tags":[],"class_list":["post-878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-single-family-offices"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-150x150.jpg","medium":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-300x200.jpg","medium_large":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-768x512.jpg","large":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-1024x683.jpg","1536x1536":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4.jpg","2048x2048":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4.jpg","trp-custom-language-flag":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-18x12.jpg","colormag-highlighted-post":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-392x272.jpg","colormag-featured-post-medium":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-390x205.jpg","colormag-featured-post-small":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-130x90.jpg","colormag-featured-image":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-800x445.jpg","colormag-default-news":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-150x150.jpg","colormag-featured-image-large":"https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-1200x600.jpg"},"magazineBlocksPostAuthor":{"name":"William","avatar":"https:\/\/secure.gravatar.com\/avatar\/82207cc30d613dea4e5fc4ce5dad6b48bc98e8cde6e3910b0adcb2b12199eab1?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":false,"magazineBlocksPostExcerpt":"As family offices turn their gaze towards private credit, this trend presents new opportunities and challenges in wealth management. Examining data and expert insights, we delve into how these investments are reshaping the financial landscape.","magazineBlocksPostCategories":["Single Family Offices"],"magazineBlocksPostViewCount":318,"magazineBlocksPostReadTime":5,"magazine_blocks_featured_image_url":{"full":["https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4.jpg",1200,800,false],"medium":["https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-300x200.jpg",300,200,true],"thumbnail":["https:\/\/www.rotharia.com\/wp-content\/uploads\/2026\/08\/rotharia_image_20260819_f52db4-150x150.jpg",150,150,true]},"magazine_blocks_author":{"display_name":"William","author_link":"https:\/\/www.rotharia.com\/fr\/author\/william\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/82207cc30d613dea4e5fc4ce5dad6b48bc98e8cde6e3910b0adcb2b12199eab1?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"#\" class=\"category-link category-link-9\">Single Family Offices<\/a>","videoUrl":"","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Family Offices Are Becoming More Serious About Private Credit<\/title>\n<meta name=\"description\" content=\"As family offices turn their gaze towards private credit, this trend presents new opportunities and challenges in wealth management. 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