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Non-Dilutive SR&ED Financing

Turn Your SR&ED Credits Into Working Capital

Fast, transparent financing for Canadian tech companies. Get 75-100% of your SR&ED refund in as little as 48 hours. Keep your equity, extend your runway.

Get Funded NowSee How It Works
Bank-level security
48-hour approval
No hidden fees
$450K
Average Advance
48hrs
Decision Time
75-100%
Advance Rate
150+
Companies Funded

How does SR&ED financing work?

Get your SR&ED financing without the complexity

01

Submit Your Info

Share your SR&ED details and basic financials. Takes 5 minutes.

02

Get Approved

Our team reviews and approves in 48 hours or less.

03

Underwriting

We verify your claim details and finalize your funding terms.

04

Receive Funds

Money hits your account. Focus on building your company.

Why choose Grow Financial for SR&ED financing?

Built by founders, for founders who understand R&D

Non-Dilutive Capital

Keep 100% of your equity while accessing the capital you need to grow.

Lightning Fast

48-hour decision time. Get your money when you need it, not months later.

Transparent Pricing

No hidden fees, no surprises. Clear, straightforward cost structure.

R&D Focused

We understand SR&ED. Built by founders who've been through the process.

Scale Your Runway

Extend your cash runway and hit your milestones without fundraising pressure.

Simple Process

No complex paperwork. Connect your docs and we handle the heavy lifting.

Can one firm prepare and finance your SR&ED claim?

The only provider offering integrated SR&ED consulting and financing in one package

End-to-end support

From claim preparation to funding - one partner, one process

Faster access to cash

Get funded as your claim is prepared, not after CRA approval

Higher claim quality

Expert consultants optimize your claim for maximum refund

Simplified process

One application, one relationship, seamless coordination

Reduced risk

Professional claim preparation minimizes CRA review risk

Predictable cash flow

Plan your runway with confidence knowing your funding and refund

What do founders ask about SR&ED financing?

Quick answers to the questions our clients ask most

Yes. We finance against the SR&ED refund tied to eligible R&D activity. Training compute and labeling are common in approved files.

Typically 70 to 100 percent of the accrued refund, based on file quality and risk.

A first position over SR&ED refund proceeds. Designed to coexist with grants and other non dilutive sources.

Within 5 business days after documents are complete.

Yes. You can request multiple draws within your approved limit so you only pay for capital in use.

You choose. Paying monthly reduces the amount due at refund. Accruing to refund can improve near term runway.

Yes. You can prepay at any time without penalty. If the refund arrives early you pay down the balance immediately.

Yes. We align draws and billed months to pilot schedules where possible.

Yes. Draws can match program gates so you keep interest to a minimum.

Yes. We can time draws to DV, PV, and PPAP so interest tracks program spend.

Ready to Accelerate Your Growth?

Join 150+ Canadian tech companies that have accessed their SR&ED funding faster

Apply for Funding Now