Our services and R&D financing solutions

Financing refundable tax credits is our one and only activity, our specialty and our raison d'être.

As a specialist in the financing of tax credits, over the years R&D Capital has become one of the foremost financial institutions involved in refundable tax credits in Quebec and the rest of Canada. We can serve you effectively from our three offices in Montreal, Quebec City and Toronto.

Our range of services includes complete technical, tax and legal support and sustained assistance with CRA audits.

We are part of the solution!

We complement banks, consulting firms and factoring companies.

What sets us apart

  1. Expertise, commitment and assistance:

    1. Our refundable tax credit financing expertise
    2. Our commitment to customers
    3. Our ongoing assistance to customers

    a. Our refundable tax credit financing expertise

    R&D Capital's refundable tax credit expertise is recognized by the Canada Revenue Agency (CRA) and the Agence du revenu du Québec (ARQ), which greatly facilitates communication between the two agencies. This is especially advantageous for customers when either agency performs an audit.

    We put our refundable tax credit financing expertise to work for our customers.
    As a result of our expertise and focus in refundable tax credit financing, we constantly develop innovative financing products and services adapted to your needs. For example, you may be able to:
    • finance refundable tax credits for two consecutive years on the same loan application;
    • finance refundable tax credits for the current year even if the previous year's loan has not been fully repaid;
    • receive a significant portion of the loan even before the corresponding income tax return is filed;
    • spread loan payments over several periods (monthly, quarterly, annual) as a function of your company's liquidity needs.

    b. Our commitment to customers

    We can analyze, approve and disburse a loan within 10 to 15 business days after receiving the documents required to analyze and submit the financing application.

    Up to 75% of the refundable SR&ED investment tax credits authorized by the tax authorities can be financed.

    A progressive fee structure enables R&D Capital to study the financing proposal, evaluate and mitigate risk and disburse the loan while keeping fees to a minimum.

    Management fees are payable by the customer only after the service has been delivered by R&D Capital.

    c. Our ongoing assistance to customers

    Our legal support :
    We provide all the necessary legal support to our customers to ensure cost control over the legal process while offering exceptional service.

    Our legal department prepares all required documentation to ensure rapid service and to reduce file-processing costs significantly for our customers.

    Our after-loan support
    Our service includes a complete after-loan support system:

    • Follow-up during any audit by the Canada Revenue Agency (CRA). We ensure that our scientific and tax experts are present during the audit process.
    • Monitoring of the processing of claims filed with the provincial and federal revenue agencies. We are the only financial institution that routinely deals with the revenue agencies.
    • Verification of payment of government remittances (GST/PST/deductions at source).

  2. We take no stake in a customer's business and play no decision-making or operational role.

  3. The required guarantee covers only the refundable tax credits and not the assets of the business.

We can truly help you. Contact us.

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