Bonds and Banking Connect

In Marchés → Cautions et financement, you prepare requests linked to bids and contracts, gather documents and track exchanges with the recipient institution. The Cautions (banque) portal lets authorized employees review these requests.

12.1 Choose the need at the right stage

A bid bond supports a bid before award: it can be prepared without an invoice and without an awarded contract. Performance, advance payment and retention bonds concern obligations under the awarded contract. Execution credit is a separate financing need; it must not be confused with a bond or the invoice financing described in chapter 3.

1. Before award, open the bid's Cautions step, then Ajouter une caution. Choose the bid bond, enter the amount required by the buyer and Enregistrer le montant.
2. Use Choisir la banque if an institution offering the product is available, then Créer la demande de caution. If no bank is available, a draft can be prepared and completed later; creating it does not submit it.
3. Open the request with Ouvrir la demande. If one already exists for that bond, resume it rather than creating a second one. Prepare the product-specific documents, including those describing the notice and guaranteed obligation.
4. After award, link the actual contract to the won bid before preparing execution-related bonds. Complete the contract data and the award or signature documents required by the product. A simple “won” declaration does not replace that evidence.

For another need, open Marchés → Cautions et financement (/marches/cautions), review Produits, then Nouvelle demande. Enter product, purpose, amount, currency, term and relevant links to the bid, contract or Collateral dossier; finish with Créer le brouillon. Documents and criteria depend on the selected product.

12.2 Prepare documents and authorize submission

1. Within the request, Préparation shows declared eligibility, expected documents and Points bloquants. Correct the data instead of trying to bypass a blocker.
2. In Pièces, choose Déposer for each expected category, select the file, then Envoyer. Respect accepted formats and the displayed 20 MB limit. A missing required document prevents submission.
3. In Consentement de transmission, click Donner mon consentement. Read the text and data scopes, tick acceptance, then Je donne mon consentement. Consent applies to the request and sharing described.
4. Review the application and recipient institution, then use Transmettre à la banque once conditions are met. Consent and document upload do not trigger this submission by themselves.

Révoquer le consentement is offered before a decision has been made, subject to the request's status. Retirer la demande has its own conditions and allows a reason to be entered. These actions do not release an already issued bond. Check the displayed result and Chronologie.

12.3 Answer additional requests and review the offer

If the bank asks for information, open Demandes de la banque, enter your answer, then Répondre. Also upload the requested document in its category when a file is required: a message alone does not supply that evidence. Free-form exchanges appear in Messages and events in Chronologie.

Before Accepter l'offre, review amount, currency, term, validity deadline, institution-declared fees, security and conditions precedent. Tauraco does not set financial terms on the bank's behalf. A favorable decision and an accepted offer are neither proof of bond issuance nor proof of funds being paid.

12.4 Workflow for a bank employee

1. With bank authorization, open Cautions (banque) → Dossiers reçus (/cautions-banque). Select the application and, depending on your role, Prendre en charge. Accessible data follows the company's consented scopes.
2. Review Dossier and Pièces. For each document, use Accepter la pièce or Refuser la pièce with the required reason. Document acceptance is separate from the financing decision.
3. If needed, choose Demander une pièce ou une information, enter the message and document category, then Envoyer la demande. Review the answer and close the additional request once handled.
4. Click Rendre une décision, specify the decision and terms, then Enregistrer la décision with the authorized profile. Find it in Décisions et engagements.
5. After the company accepts the offer, Enregistrer un engagement records the product, amount, dates and reference. Track it in Engagements and consult Journal. Recording this undertaking does not yet establish bank issuance.

12.5 Upload and confirm issuance evidence

1. On the bond undertaking, the authorized bank employee opens Bank issuance evidence. They enter the reference, beneficiary, amount, currency, issue and expiry dates; the issuer is their institution.
2. They select the Bank PDF document, then Upload evidence. At this point, the screen states Document uploaded — issuance not confirmed.
3. After checking the document and its information, they tick the displayed attestation, then Confirm issuance separately. In its request, the company opens Engagements et preuves (Undertakings and evidence) to view the information and Download evidence.
4. Review the status, issuer, beneficiary, expiry date, and undertaking state. Check the document's scope with the issuing institution before using it.