SR&ED Financing

Non-Dilutive, Founder-Friendly Financing for Technology Companies

Build great technology without worrying about your cash flow. Unlock your SR&ED claim now instead of waiting months for the CRA to access your tax incentive and focus on growing your business.

It takes 2 minutes

SR&ED Financing

Access $100,000 to $2,000,000 in SR&ED Financing Fast

Cash flow management is critical to success. This is why we provide you with working capital today and you can depend on quarterly cash disbursements.

With the high cost of equity, SR&ED financing is the perfect solution for many growing companies.

Retain ownership of your company

Optimize your cash flow

Accelerate your growth

Invest Your SRED refund

Wherever You Need

  • Hire new employees and meet your payroll
  • Accelerate product development
  • Launch your product in new markets
  • Take your sales and marketing to the next level
  • Get into a stronger position while preparing for an equity raise

What We Look For

Min $100k SR&ED Claim

or $15,000 per month in eligible expenditures

1 Year of Filing History

or a great SR&ED consultant

SR&ED Financing 101

What is SR&ED financing?

SR&ED financing is a tool that allows you to access your SR&ED (Scientific Research and Experimental Development) tax credits as you accrue them.

This way, you get to reinvest this capital in your business immediately instead of waiting until you file your claim and wait for a verdict from the CRA.

Do I need a SR&ED consultant?

While you don’t need to have a SR&ED consultant to file your claim (or qualify for financing), a consultant will ensure your claim is successful and therefore gives us comfort when assessing your eligibility for a credit facility.

Use our SR&ED consultant directory to find the right consultant for you.

How much can I borrow against my SR&ED?

We offer the highest loan to value in the market.

Use our free online tool to find out how much you can qualify for.

Do I qualify for SR&ED financing?​​

Typically, we look for SR&ED claims of more than $130,000. If your claim is smaller than our minimum, we’ll be happy to look at your company’s financials.

How long does it take to process my SR&ED claim?

You have 18 months after your fiscal year-end to claim your SR&ED.

If you’re a CCPC and you file within 6 months of your fiscal year-end, you should expect to hear back from the CRA within 2 months. For non-CCPCs, claims can take up to 12 months.

If you are selected for a review, it can take a number of extra months for you to receive your refund.

How do I qualify for the SR&ED program?

You have to satisfy 3 basic criteria to qualify:

Technical Advancement: You need to have furthered some kind of technical knowledge
Technical Uncertainty: You need to have faced some kind of technical challenge / tried to solve it
Technical Content: You went through a process to try to mitigate or fix those technical challenges

When should I use SRED financing?

The scenarios are countless, but SRED Financing is a great option if you have a major event coming up that requires an urgent injection of cash, if your sales are taking off and you need to double down but not give up equity at the current valuation, or if product development or revenue is taking longer than expected and you need additional cash to get to the finish line.

Can I finance my SR&ED claim if I have not filed it yet?


A vast majority of our customers have not yet filed their SR&ED claim because the need for cash rarely coincides with filing your SR&ED claim.

Many of our customers take advantage of our quarterly disbursements where we send them money based on the SRED they accrued in the past quarter.

How do I receive the funding?

The timing and amount of your disbursements are totally up to you. Once you’re approved for a credit facility, you can choose to receive the entire amount in a single disbursement, set up quarterly disbursements, or draw from the facility on an as-need basis. This way, you only pay interest on the money you use to grow your business.

How do I pay my SR&ED loan back?

The most common way to repay a SRED loan is upon the refund of your tax credit.

In the case that your SR&ED refund is not enough to pay off your facility, we will work with you to find the best payment option.

Why Venbridge

Whether you have a filed claim or simply need cash now, we support you every step of the way. Our flexible SR&ED financing solutions put you in charge of your funding while you retain ownership of your company. When it’s time to exit, your payout is bigger.


Our process gets you funded within a few weeks.


Our competitive fixed rates make Venbridge SR&ED financing an affordable part of your capital mix.


Quarterly disbursements, high loan to value, flexible repayment options to suits your needs.

Smarter Business Decision

The cost of your SR&ED loan is far lower than most other sources of capital.


Our process is straightforward, streamlined, and designed for your convenience. Our term sheets are easy to understand and keep you in control of your business.


Technology-driven lending. Secure portals. Automated systems. Venbridge saves you time and money so you can focus on running your business.

How We Do It

Apply using our secure online portal

Accelerated due diligence process

Cash in the bank fast

COVID globe

Wondering how much your SR&ED refund will be?

Use our free SR&ED calculator which estimates your SR&ED claim after the reduction caused by other government support programs like IRAP.

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