Loan Products

R&D Advance

Australian Companies & Entities Only.

Turn your future R&D refund into immediate cash flow to fuel growth today.
  • Best for: Bridge funding while waiting for ATO refunds
  • Non-Dilutive $$ & No Equity Required
  • Loan automatically repaid when your refund arrives
Apply NowTalk to our team
$
$100k - $3M

Funding Access

Access up to 80% of your expected R&D refund.

3-4

Days

Approved in 3-4 Business Days (on average).

Until Refund

Arrives

Loan term runs until ATO pays your refund.

Recent R&D Deals

A snapshot of recent R&D Advance deals across Australian tech and innovation companies. Capital that turns a future rebate into cash you can deploy today - across every corner of the AU innovation economy.

SAAS
Sydney
$1.2M
R&D Advance · 19 days to fund
A B2B SaaS funded the engineering team building its AI-native product line - six new developers, infrastructure costs, and the runway to ship before the next renewal cycle.
SOFTWARE
ENGINEERING
DEEP-TECH
Canberra
$850K
R&D Advance · 11 days to fund
A quantum computing startup funded eight months of lab work and senior researcher salaries - bridging between the previous R&D claim and the next.
RESEARCH
TALENT
MEDTECH
Adelaide
$550K
R&D Advance · 8 days to fund
A medtech company funded pre-clinical work and TGA submission prep ahead of its next equity round. The Advance bridged the nine-month gap between lodging the claim and the ATO paying out.
REGULATORY
CLINICAL
CLIMATE TECH
Brisbane
$875K
R&D Advance · 16 days to fund
A renewable energy startup funded prototype development and field testing across two pilot sites. Quarterly draws matched the cadence of their research milestones.
PROTOTYPE
PILOT
AGRITECH
Sydney
$2.1M
R&D Advance · 12 days to fund
An agritech startup funded crop trial expansion across three sites - got the dataset its seed extension needed, before running out of growing season.
TRIALS
SEASONAL
BIOTECH
Melbourne
$800K
R&D Advance · 11 days to fund
A biotech business funded eight months of lab work for its lead therapeutic program. Repaid the facility from the R&D claim, then re-applied for the next year's R&D cycle.
LAB
BIOTECH
We're advancing more R&D rebates than ever, and these are just some of our most recent deals.
‍
If you're waiting on an R&D refund, we want to hear from you. Apply directly, or chat with one of our Capital Strategists.
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HOW TO APPLY

Applying for R&D with us is straight-forward.

Three steps to your R&D rebate, months early. Average 14 days from first call to first draw - and the facility repays itself when the ATO pays out.

Step 1
Quick Apply + Xero Connect
Five minutes online. Tell us about your R&D activity, share your last lodged R&D claim (or your accountant's forecast for the current year), and connect your books.
Step 2
We Assess With Pace
Our Capital Strategy team works alongside your R&D consultant or tax advisor to validate the forecast rebate.
Step 3
Funds In 24 Hours
Once all the boxes are ticked, we send funds fast within a normal business week.
We only require read-only access. We don't ask, nor require, edit or full access.
Apply Today
Don't have Xero? That's okay, we accept other providers.
Get in touch with our team, and we'll help!

Frequently Asked Questions

Why did we create the R&D Advance product? 🚜
What would you use R&D Advance funding for? 🚜
What do I need to qualify for Tractor R&D Advance? 🚜

Need Tractor's R&D Funding?

If you're waiting for an R&D refund and need that cash working now, get in touch.

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Disclaimer

Tractor Ventures Pty Ltd ACN 626 048 084 (Tractor Ventures) is a corporate authorised representative (CAR) (CAR Number 1287213) of Boutique Capital Pty Ltd ACN 621 697 621 (Boutique Capital) AFSL 508011.

Any information or advice is general advice only and has been prepared by Tractor Ventures for individuals identified as wholesale investors for the purposes of providing a financial product or financial service, under Section 761G or Section 761GA of the Corporations Act 2001 (Cth). Any information or advice given does not take into account your particular objectives, financial situation or needs and before acting on the advice, you should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. If any advice relates to the acquisition, or possible acquisition, of a particular financial product you should read any relevant Product Disclosure Statement or like instrument and consult your own professional advisers about legal, tax, financial or other matters relevant to the suitability of this information.

Any investment(s) summarised are subject to known and unknown risks, some of which are beyond the control of Tractor Ventures and their directors, employees, advisers or agents. Tractor Ventures does not guarantee any particular rate of return or the performance, nor does Tractor Ventures and its directors personally guarantee the repayment of capital or any particular tax treatment. Past performance is not indicative of future performance.

All investments carry some level of risk, and there is typically a direct relationship between risk and return. We describe what steps we take to mitigate risk (where possible) in the investment documentation, which must be read prior to investing. It is important to note that risk cannot be mitigated completely.