R&D Tax Incentive
Finance

Whether you are developing new technology, improving existing products or investing in research, waiting months for your R&D tax incentive refund can place unnecessary pressure on your cash flow.

Access loans from $100k to 2m

Registered claim against R&D Tax Incentive refund

Suitable for Australian businesses claiming the R&D Tax Incentive

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WHAT

What can R&D Finance be used for?

Unlock immediate capital to accelerate your projects. Receiving your R&D Tax Incentive is a significant milestone. Funding gaps can be created whilst you are waiting for your tax return to be processed.

private growth

Continue R&D projects

private cash

Recruit & retain specialists

private equiment

Buy equipment or tech

private acquisitions

Boost cash flow yearly

private refinancing

Invest in business growth

private property

Fund innovation projects

FEATURES & BENEFITS

Finance Without the Friction

Experience lending built around you which is quick, transparent, and flexible. We make borrowing easier so you can stay focused on growing what matters to you.

innovative

Innovative

Our team understands that innovative businesses often experience rapid growth and changing funding requirements.

support

Support

Accessing your expected R&D Tax Incentive earlier can improve liquidity and provide greater business confidence.

tailored

Tailored

No two R&D claims are the same. We assess every opportunity individually and structure funding around your business.

partnered

Partnered

Ezifin aims to become a trusted funding partner, supporting businesses as they innovate, scale and grow.

FEES & COSTS

No Surprises. Just Transparent Financing.

Clear rates. No hidden fees. Ever.

FEE
DETAILS
EXAMPLE ($750K LOAN)
private interest

Interest Rates

Fixed rates starting at 16%
Interest only or interest capitalised
private originating

Origination Fee

Small establishment fee (%)
dependent upon the loan size
$1k - $1.5k for a loan >$700k
private valuation

Minimum Requirement

Based upon your Advisor's comfort letter
Supports the above numbers and due diligence
private zero

Zero Hidden Charges

Transparent fee structure
No surprises

HOW TO APPLY

Apply in 4 Easy Steps

The Ezifin application process is designed to be straight forward

Describe your business

Share details & documents about your business, your R&D activities and your expected R&D Tax Incentive.

Review funding options

Our team will assess your eligibility and discuss funding structures that align with your expected claim.

Assessment

We review your application and documents to determine the appropriate funding solution.

Receive your funding

Once approved, funding is made available so your business can continue investing in innovation.

CALCULATOR

R&D Tax Incentive calculator

Estimate your refundable R&D offset and how much of it you can advance.

INPUTS

$

By using this calculator, you agree to our Terms of Service & Privacy Policy

COMPARE YOUR FUNDING OPTIONS
Your estimate
Others
Estimated refund*
$ —
$ —
Maximum loan amount
$ —
$ —
Expected repayment amount
$ —
$ —
Total fees and charges
$ —
$ —

*Needs to be verified by approved R&D tax consultant

WHY US

Why choose Ezifin?

Businesses choose Ezifin because they are looking for more than just another lender.

time is money

Flexible Funding Solutions

Ezifin offers finance solutions tailored to each business, not one-size-fits-all lending.

tailored trusted

Private Credit Expertise

Private credit provides an alternative pathway when you need more flexibility than traditional lending.

money bag

Growth-Focused Businesses

Whether expanding, investing, acquiring, or managing cash flow, we offer funding solutions to help you progress.

faster simpler

Faster & Simpler Lending Experience

Ezifin combines technology-driven processes with experienced lending expertise to simplify the funding journey.

strong broker

Strong Broker Partnerships

Ezifin works closely with finance brokers to support Australian businesses with suitable funding solutions and responsive service.

Frequently asked questions

R&D Finance allows eligible businesses to access funding against their expected Research and Development Tax Incentive before the refund is received from the Australian Government.

Businesses that are eligible to claim the Australian Government’s R&D Tax Incentive may be able to apply, subject to Ezifin’s assessment.

Funding can be used for a wide range of business purposes, including payroll, research, product development, equipment purchases, working capital and growth initiatives.

No. R&D Finance is designed to help eligible businesses access funding before receiving their R&D Tax Incentive, subject to assessment.

Most businesses work with their accountant or R&D adviser during the application process. Ezifin can also collaborate with your professional advisers to help make the process as smooth as possible.

Ezifin has a deep understanding of innovation funding. We provide flexible funding solutions that help Australian businesses improve cash flow, continue investing in R&D and accelerate growth.