https://growfi.ca/insights Expert insights on SR&ED financing, R&D tax credits, and non-dilutive funding for Canadian tech companies. en-ca Tue, 13 Oct 2026 11:55:28 GMT 60 https://growfi.ca/insights/approved-or-denied/sred-loan-internally-prepared-claim https://growfi.ca/insights/approved-or-denied/sred-loan-internally-prepared-claim Fri, 09 Oct 2026 04:00:00 GMT An aggressive, in-house SR&ED claim was declined because we couldn't rely on it to survive a CRA review. Why lenders won't dig, and what to do instead. Garron Helman https://growfi.ca/insights/approved-or-denied/sred-loan-bank-special-loans https://growfi.ca/insights/approved-or-denied/sred-loan-bank-special-loans Mon, 05 Oct 2026 00:50:49 GMT A strong SR&ED claim was declined because the bank had the company in special loans. Why that usually ends it, and what to do instead. Garron Helman https://growfi.ca/insights/why-sr-ed-bridge-financing-is-so-hard-to-get-right-in-canada https://growfi.ca/insights/why-sr-ed-bridge-financing-is-so-hard-to-get-right-in-canada Wed, 30 Sep 2026 14:19:40 GMT Why SR&ED lenders keep leaving the market, what to do if yours stopped funding, and how to tell if the next one will still be there. Garron Helman https://growfi.ca/insights/borrow-against-sred-before-filing https://growfi.ca/insights/borrow-against-sred-before-filing Tue, 22 Sep 2026 01:51:51 GMT Canadian tech companies can borrow against SR&ED credit earned this year, before filing. Grow Financial advances 70% to 100% of expected refundable credits (minimum $100,000), drawing quarterly from $25,000. Loans are based on accrued SR&ED, repaid from the CRA refund, and best used when you genuinely need cash, not as an equity substitute. Garron Helman https://growfi.ca/insights/sred-financing-tax-credit-advance https://growfi.ca/insights/sred-financing-tax-credit-advance Thu, 09 Oct 2025 17:32:56 GMT Building innovative companies in Canada is expensive, and SR&ED refunds often take months to arrive, creating a painful cash flow gap. SR&ED financing solves this by advancing a portion of your expected refund, giving founders and CFOs immediate, non-dilutive working capital. Unlike equity, it preserves ownership and is repaid once the CRA issues the refund. Advance rates range from 70–100%, with eligibility based on accrued expenses and supporting documentation. The benefits include smoothing R&D cash flow, accelerating growth, and avoiding unnecessary dilution. Choosing a transparent financing partner without hidden fees or penalties is key to long-term success. Garron Helman