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Q: How much funding can an R&D Tax Credit advance provide?

Typical facility sizes are in the range of £50,000 to £900,000. The actual maximum can vary by lender appetite, claim stage, and how strongly the R&D evidence and expected refund are supported, including whether the deal can be structured with suitable assignment and controls.

Q: How long does the decision and funding take?

Initial decisions are often around 3 to 15 working days depending on whether the claim is already filed and how complete the underwriting pack is. Once approved, funds are commonly released shortly after documentation is completed, with final timing influenced by legal paperwork and lender processing steps.

Q: What does pricing look like for an R&D advance facility?

Pricing is typically expressed as an advance fee and/or discount and/or interest over the expected settlement window. Representative annualised costs are broadly in the 10% to 30%+ APR range, depending on time to HMRC settlement, claim confidence, and risk controls. Additional arrangement and legal/documentation costs may apply.

Q: What kinds of R&D Tax Credit advance facilities are available?

Common options include claim-stage advance (pre-HMRC receipt), post-submission advance (based on a filed claim), and multi-claim or R&D runway funding. Each approach matches a different claim stage and expected settlement pattern, with lenders using the relevant computation evidence and R&D project documentation for underwriting.

900k R&D Tax Credit Funding usually refers to an R&D Tax Credit advance facility that gives a UK SME upfront cash against an expected or submitted R&D Tax Credit claim. The purpose is to use finance when your refund is tied up in HMRC processing timelines. Instead of typical monthly amortising repayments, settlement happens when the R&D Tax Credit is received, often using contractual set-off or repayment mechanics agreed as part of the facility. Many SMEs use this approach to turn future R&D refund cash into usable working capital while keeping research and development moving.

R&D Tax Credit Funding

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^Benefits of an R&D Tax Credit advance facility

An R&D Tax Credit advance facility is built to match your cash needs to the timing of your HMRC refund. Lenders underwrite the expected refund using your claim documentation and R&D evidence, then set an advance with pricing that reflects risk and time to settlement. Decision times are often measured in days, depending on whether the claim is filed and how complete the underwriting information is.

Faster R&D cash flow

Lower overdraft pressure

Settlement aligned to HMRC

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types of R&D Tax Credit funding

Claim-stage advance (pre-HMRC receipt)

Use this route when your claim is being prepared or not yet received from HMRC. Lenders typically size advances around the expected refund and require evidence that an R&D Tax Credit computation will be filed.

Claim-stage advance (pre-HMRC receipt)

Claim-stage advance facilities are designed for UK incorporated SMEs undertaking qualifying R&D for the UK, with support to prepare an R&D Tax Credit computation. You may need to show that your claim has been or will be filed, for example via draft computations and project descriptions. The advance is usually structured for settlement around the HMRC payment cycle, commonly in about 3 to 12 months, though it can extend if processing is delayed. Decision times are often around 5 to 15 working days once the underwriting pack is complete.

Post-submission advance (based on filed claim)

If you have already submitted your R&D Tax Credit claim, you can access a post-submission advance based on the filed figures and adviser support. This can help with planning because less underwriting uncertainty remains.

Post-submission advance (based on filed claim)

Post-submission advances suit SMEs that have an R&D Tax Credit claim already submitted and can provide the submitted computation summaries and adviser sign-off. Lenders review the information supporting the expected refund value, then agree an advance and release funds after legal assignment and documentation are completed. The time from funding to expected settlement is often around 4 to 10 months, with faster decisions commonly possible when the filed claim details are complete. Representative annualised costs are typically expressed via a discount or fee tied to time to settlement, with decision turnaround often around 3 to 10 working days after submission evidence is provided.

Multi-claim/R&D runway funding

Multi-claim funding supports ongoing R&D programmes across several claim periods. It is often used when you want a longer cash bridge rather than separate funding for each cycle.

Multi-claim/R&D runway funding

Multi-claim or R&D runway funding is intended for SMEs with repeatable R&D activity and a track record of claims, or a clear plan for repeat submissions. Underwriting typically uses historical claim evidence, plus a forecast for upcoming qualifying spend, to structure a facility over a wider window, commonly around 12 to 24 months. Advances are linked to specific claim or refund milestones, so settlement follows HMRC receipts across each period. Representative annualised costs can sit broadly around 12% to 28%+ APR depending on structure and the number of claim periods. Decision times are often longer than single-claim cases, commonly around 2 to 6 weeks, because lenders consider multiple periods.

Typical Funding Journeys on Funding Agent

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How to get R&D Tax Credit funding with Funding Agent

Tell us your claim stage

Share whether your claim is already filed or still being prepared, plus the expected refund range and an overview of the R&D projects. This helps Funding Agent route you toward the appropriate advance type for your timing needs.

Start your request by completing the online application form.

Submit underwriting details

Funding Agent collects key information with you, typically including adviser or accountant details and your R&D Tax Credit computation summaries. Lenders use these documents, alongside your project descriptions and financial information, to assess the advance amount.

Compare offers and draw funds

Review lender terms that fit your settlement window. Once you accept and documentation is completed, the facility releases funds. Settlement is then linked to HMRC paying your R&D Tax Credit, following the contractual mechanics set out in the agreement.