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Tax & Specialist Finance
R&D Tax Funding
Access funding against expected R&D tax credit claims, unlocking cash before HMRC pays out.
Loan Range
£10,000 – £500,000
Terms
3 – 12 months
Decision
1–2 weeks
Basis
Against expected R&D credit
Key Features
- Unlock cash before HMRC pays out
- Bridge the R&D claim gap
- Quick approval
- No property security needed
Use Cases
- Fund ongoing R&D
- Bridge cashflow while claim processes
- Reinvest in innovation
Eligibility Criteria
UK business with R&D expenditure
R&D tax credit claim submitted or pending
Claim prepared by qualified professional
Documents commonly requested
- Recent business bank statements
- Latest filed accounts and current management information
- Identification and business ownership information
- Evidence supporting the funding purpose
- Property, asset, invoice or contract information where relevant
The exact list depends on the facility and lender. Documents are requested only when relevant to the application.
Important considerations
- Compare the total cost, not only the headline rate
- Understand arrangement, valuation, legal and exit fees where applicable
- Check how repayments affect business cashflow
- Review security, debenture and personal-guarantee requirements
- Consider early repayment and default provisions before signing
How it works
- Tell us about your funding need
- We compare the whole-of-market lender network
- Receive competitive offers tailored to you
- We manage the application to completion
Why use FinanceMyCompany?
- Whole-of-market lender access
- Transparent, fee-clear advice
- Dedicated finance specialist
- Fast, straightforward process
R&D Tax Funding — Frequently Asked Questions
How does R&D tax funding work?
The lender advances funds against your expected R&D tax credit claim, repaid when HMRC pays out.
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