What is R&D Lending?
R&D lending is a specialized financing solution that uses your future R&D Tax Incentive payments as collateral for immediate funding. Instead of waiting up to 18 months for your R&D rebate from the ATO, you can access up to 80% of your projected rebate within 48 hours.
R&D
Lending
How It Works
The process is straightforward: eligible companies first register their R&D activities with the Department of Industry, Science and Resources, then claim their tax offset through their annual tax return. R&D lenders advance funds based on your expected rebate, with the ATO rebate paid directly into the funder's account, who then deducts the advance and fees before forwarding the remaining balance to you.
Business Benefits
R&D lending provides immediate cash flow to continue innovation without diluting equity or waiting for lengthy rebate processing. Companies can reinvest the advance into additional R&D activities, potentially increasing their next rebate by up to 33%. This creates a positive funding cycle that accelerates development timelines and maintains competitive advantage during critical growth phases.
Alongside our other products, we deliver fast working capital solutions that bypass traditional property requirements and complex underwriting processes.