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R&D Advance · ATO Refund Bridging · Non-Dilutive

R&D Tax Refund
Bridging - advance in days

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Specialist lenders advance 70-80% of your expected R&D tax incentive refund within days - repaid when the ATO refund lands (typically 6-18 months later).

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Companies with significant eligible R&D spend who want to access the refund before the ATO processes it.

Trading company (not individual) with R&D-eligible activities
Prior AusIndustry registration or clear eligibility path
R&D spend $100k+ per annum
Need cash now, not 12-18 months after year-end
Tech startup, biotech, deeptech, hardware, R&D-intensive services
Already backed by venture equity or on a non-dilutive growth plan

The real challenge

The R&D Tax Incentive refund is powerful - up to 43.5% of eligible R&D spend back from the ATO for companies under $20m revenue. But the process is slow: register with AusIndustry, lodge the claim with your tax return, wait for ATO processing. 12-18 months between spending the dollar and getting the refund is typical.

Specialist R&D advance lenders bridge this - they advance 70-80% of your projected refund within days, repaid when the ATO refund lands. Non-dilutive growth capital for R&D-heavy businesses.

How Mortgagefy helps

Specialist R&D advance lenders (several active in the Australian market) who routinely fund this scenario.
Fast turnaround - typically 1-3 weeks from application to funds.
Pre-registration advances available with the right lenders for companies with strong R&D history.
Honest fee comparison - typical cost is 10-15% of the refund value for a 12-18 month advance.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Eligibility review

Confirm you're a loss-making or taxable company under $20m revenue with eligible R&D spend.

Lender shortlist

2-3 R&D advance lenders matched to your R&D spend size.

Documentation

AusIndustry registration (or pathway), prior R&D tax claims, management accounts, cap table.

Settlement

1-3 weeks typical from term sheet to funds.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

How much of my R&D refund can I advance?

Typically 70-80% of the projected refund. Some lenders go higher for established borrowers with multiple prior R&D claims.

What does R&D advance cost?

Typically 10-15% of the refund value for a 12-18 month advance. Equivalent annualised cost 8-12%. Pricing varies with your R&D history, lender and refund size.

Do I need to be registered with AusIndustry first?

Usually yes - most lenders want the AusIndustry registration confirmed. Some will advance against the planned registration for companies with strong prior R&D history.

Will the lender require a personal guarantee?

Not typically - the credit decision is based on the refund value and your R&D eligibility. Non-dilutive, non-recourse to founders in most structures.

Can I advance R&D refunds for multiple years?

Yes - several lenders will advance the current year refund + the prior year unclaimed amount, if both are eligible. Larger facilities possible for companies with 3+ years of R&D history.

What happens if the ATO disputes my R&D claim?

Facility typically has recourse to the company (and sometimes founders) if the ATO refund is disputed or reduced. We'll walk through the specific terms before you sign.

Get your free R&D tax refund assessment

70-80% advance against your R&D refund within 1-3 weeks. Non-dilutive growth capital for R&D-intensive companies.

Start Your Free Assessment Call 0432 634 648

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Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

R&D Tax RefundBridging - advance in days