R&D tax credit loans

Growth now, not later.

How R&D Finance can help you get there, faster.

First things first

What is the R&D tax credit?

The R&D tax credit is an AusIndustry programme that allows companies to offset some of a company’s cost of doing eligible research and development (R&D) activities by reducing a company’s income tax liability.

Up to 43.5% can be offset for costs incurred on eligible activities depending on a company’s annual turnover. The 43.5% benefit is a refundable offset. To apply for the R&D Tax Incentive, you will need to register your eligible R&D with the Department of Industry, Innovation and Science and keep all records and documentation related to your R&D expenses.


Incorporated companies that are registered in Australia that have invested in R&D could potentially be qualified for a refund of up to 43.5% of relevant expenditure. Find out if your company is eligible.

Check Your Eligibility

What is an R&D tax credit loan?

An R&D loan is a new type of financial instrument that allows a company to use its future R&D tax credit payments as collateral for an affordable loan. The R&D tax credit is a sustainable source of operating cash for many Australian firms, every year.

Though it has been reliable for decades, one of the important problems with the scheme is that the funding is quite slow to process. Many companies end up spending many months, sometimes even up to a year, waiting for the ATO. With R&D Finance, they can access that funding in a couple of weeks. With a new funding timeline, you are able to grow faster than their competition, and gain the advantage.

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The funding feedback loop.

R&D Advance Funding can act as a virtuous cycle. As a growing, technology-focused company, chances are you will continue on your path of technology investment. Often, the R&D financing you receive will flow back into more R&D. As an example, if you use the R&D loan to hire an additional programmer, around 43.5% of their wages will add to a larger R&D tax credit at the end of the financial year.
This can lead to mitigated fees or potentially to a net benefit after financing.

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What do you need to apply for an R&D tax credit loan?

Australian* based company


qualified R&D expenditure


*Canadian or UK based business also may be eligible.

Have a question?

No business or path to success and growth is the same. If you have a question, are ready to apply or would like to learn more about Fundsquire, please contact us today.

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