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Start with the policy the company could actually obtain
Assurance Prospection is Bpifrance’s prospecting insurance for eligible French exporters. The indemnity is the policy payment supporting approved prospecting costs; the premium is the charge for that cover. Its offer includes a minimum repayment of support actually received. Selected published conditions concern the applicant, an existing commercial offer, French content and covered countries. These are programme conditions, not an approval of your U.S. business model.
Ask for the actual applicant, approved budget, cover percentage, payment conditions and repayment terms. Do not copy terms from an old policy or another company’s promotional story.
An approved €40,000 budget would not mean €40,000 arrives
Fictional example applying stated assumptions: suppose a written policy approves a €40,000 budget with 50% cover, giving a €20,000 indemnity. Assume the published 50% first instalment and 3% premium on the budget apply. The first gross instalment is €10,000; the €1,200 premium leaves €8,800 cash.
If the company receives the entire €20,000 indemnity, the assumed minimum 30% repayment would mean €6,000 later repayable. The base is support actually received, rather than an entitlement not yet paid. Further repayment and the timing of the balance depend on the actual terms and results. This is a teaching calculation, not a policy quote or an eligibility decision.
| Fictional calculation | Euro amount |
|---|---|
| Approved budget | 40,000 |
| Assumed indemnity: 50% of budget | 20,000 |
| First gross instalment: 50% of indemnity | 10,000 |
| Assumed premium: 3% of budget | 1,200 |
| Initial cash after that premium | 8,800 |
| Minimum repayment if full €20,000 received: 30% | 6,000 |
Keep three different schedules
The owner needs to know whether the business can fund the project between those dates. An expected later instalment cannot fund an earlier bill, and a support receipt is not evidence of customer revenue.
| Schedule | What management should show |
|---|---|
| Prospecting spending | The actual payments and whether the policy covers the activity. |
| Support receipts | The instalment conditions, documents and supported dates. |
| Repayments and other charges | The minimum, any performance-related amount and the applicable timetable. |
Keep the market decision separate from the insurance decision
Define which U.S. customer or operating question the prospecting expenditure should answer. The support arrangement does not establish an order, partner capability or a profitable route.
Keep the euro-policy schedule alongside the wider forecast. If the U.S. plan uses dollars, use documented currency assumptions and actual payment dates rather than entering euro amounts as if they were dollars. Cash runway provides a broader monthly view; keep the policy’s detailed dated ledger separately.
Scope
- Selected product-page terms reviewed 15 November 2026 and a fictional policy example. No applicant, covered country, expense, policy, tax treatment or final repayment is approved. Actual current and legacy contracts may differ.
Next step
Use Cash runway for the wider monthly funding picture, with documented currency assumptions. Keep the euro-policy spending, instalment and repayment ledger beside it.
Sources & review notes
Bpifrance Assurance Export
Passage, dates and research notes
official-guidance · Current product page: eligible applicants, indemnity, premium, instalments and repayment
Read the full product page. Selected published terms are used; legacy policies and an actual application are not assessed.
Detailed rule records (1)
The published offer includes selected applicant and French-content conditions, a premium and an indemnity with a minimum repayment of 30% of the indemnity actually received. Actual cover, approved budget, countries, instalments and later repayment depend on the policy.
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