How does it work?

R&D Process Explanation

The moment you've all been waiting for.


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But wait - let's be smarter about this.

If you spend a percentage of the loan on further R&D (approximately 30%), the extra rebate from the ATO will offset the interest repayments owed.

That means - you're not out of pocket at all.

Actually, if you spend more than ≈30% on R&D, you cash flow will be net positive after all interest repayments have been made.

Want to see the numbers for yourself?


More reasons why


Focus on growth

Through alternative financing solutions such as R&D lending, your company can focus on the important things like growing your company. By bringing forward your R&D tax refund you can help put off equity raising for as long as possible in order to hold on to more of your hard earned equity until a higher valuation.

Unlock Cash

The Australian Government's Research and Development (R&D) tax incentive encourages innovative companies to engage in R&D benefiting australia, by providing a tax rebate of up to 43.5% on eligible expenditure.

R&D lending allows you to accelerate your company’s growth prospects by allowing you to finance against your eligible R&D schedule, effectively accessing your R&D tax incentive now instead of waiting till the end of the next financial year. ELIGIBLE?


Enjoy working with a company that is truly invested in you! At R&D Lending we specialise in working with STARTUPS. We understand your unique financial needs, the flexibility you require and most importantly, the speed in which you need things done.

No lengthy processes, just REACH OUT and we'll be in touch! Also enjoy the benefits of gaining access to our exclusive network of institutional and angel investors.