R&D loans that don't cost you equity.
Some people call it an R&D loan. We built ours around your R&D Tax Incentive, so you get capital in days, not months, and keep every share of your company.
Why founders use R&D loans
Founders come to Advanced when they need runway without giving up a board seat or a slice of the cap table to get it. An R&D loan doesn't touch equity. It doesn't ask for a personal guarantee. It's secured against the RDTI receivable itself, not your house or your next raise.
It also solves a timing problem most founders hit eventually: the R&D Tax Incentive pays out once a year, but R&D spend happens every month. An R&D loan closes that gap, so cash flow doesn't dictate the pace of the work.
What is an R&D loan?
An R&D loan is capital advanced against the R&D Tax Incentive refund your company is already owed. Instead of waiting until after your tax return to see that cash, Advanced lends against it throughout the year. You repay when your ATO refund lands, not before.
Most Australian startups and small to medium businesses can claim up to 43.5% of eligible R&D expenditure back through the tax system, provided the company spends at least $20,000 a year on eligible R&D activities. An R&D loan turns that future refund into capital you can use now.
How it works
Apply online and Advanced reviews your R&D position. Credit decisions land within 24 to 48 hours. Funds are typically in your account within 5 to 8 days of approval. There are no monthly repayments to manage: the loan is repaid in full when your R&D Tax Incentive refund arrives from the ATO.
Eligibility
To qualify, your company needs to be spending at least $20,000 a year on eligible R&D activities and registered (or registering) with AusIndustry. Advanced's minimum facility size is $50,000. If you're already claiming the RDTI or planning to this financial year, you're likely eligible.
Frequently asked questions
*Pending approval