SR&ED Tax Credit Financing
Stop waiting on the CRA. Unlock up to 75% of your accrued or filed SR&ED refund today and put your capital back to work.
Watch: How to Turn Your CRA Refund into Immediate Working Capital.
The Scenario: Funding the Next Iteration
The Problem:
An Alberta-based agri-tech manufacturer spent $600,000 developing a new automated sorting machine. They successfully filed a $300,000 SR&ED claim with the CRA. However, the CRA review process is delayed, and the company is told they won't see the cheque for another 6 months. The manufacturer needs that $300,000 now to buy inventory for their Q3 launch.
The AJS Solution:
AJS Capital steps in and reviews the filed SR&ED claim alongside their SR&ED consultant's report. Within days, we advance 75% of the claim ($225,000) directly into their operating account.
The Outcome:
The manufacturer launches their product on time, capturing early market share. Six months later, when the CRA finally issues the refund, the cheque routes directly to AJS Capital to clear the advance, with the remaining balance returned to the manufacturer. Zero equity lost. Zero momentum lost.
Our SR&ED Funding Paremeters
What We Finance: Unfiled (Accrued), Filed, or CRA-Assessed SR&ED tax credit claims.
How Much We Advance: Up to 80% of your estimated claim value.
Target Claim Size: $100,000 to $1,000,000
The Structure: Non-dilutive. Secured directly against the SR&ED tax credit, meaning it doesn't interfere with your primary operating line of credit.
Fast, Frictionless Underwriting
Assess
You submit your SR&ED technical and financial schedules (or your consultant's draft report).
Advance
We underwrite the claim risk and wire the advance directly to your corporate account within 7 to 14 days.
Repay
The loan is paid automatically when the CRA disburses your refund. No monthly principal payments draining your cash flow in the meantime.