The Not So Tricky Art Of SR&ED Financing Loans In Canada
SRED Financing Loans


OVERVIEW – Information on SRED Loans in Canada . SR ED financing of SR&ED claims in Canada is a viable method to accelerate the cash flow from your firms r&d capital spend . Here’s why.. and how

SR ED financing (‘ SR&ED’) is a lot less of an art and science than most firms think. We’re looking at SRED Loans from a ‘ how to’ perspective – it’s the ultimate cash flow acceleration with respect to the key benefit of the program – i.e. recouping a large part of your r&d capital spend. Let’s dig in.

Billions of dollars each year flow from the government to thousands of firms who participate in the ‘ SR&ED ‘ program in Canada. The ability to turn claims into short term sred loans simply accelerates the benefits of the program. While the govt maintains that the program encourages companies to invest in the future via enhanced products and services the ‘ journey ‘ and the ‘ wait’ for the refund can seem daunting at times.

Certain ‘ resources’ are needed to both participate and benefit in the program. They include your own ability to finance the SR&ED process from start to finish, as well as the need to more often than not ( in fact almost always and recommended ) to acquire the services of a SRED consultant who understands your business and is experienced in the preparation , documentation, and filing of your claim.

There is a significant amount of time allowed for you to prepare your claim but the claim is always filed in conjunction with your year end. At this point both the eligibility and quality of your claim is key. Claims typically have a technical narrative and a clear break down of the costs you are claiming in the process. All of this effort is of course focused on one goal – the refund! , which is for most firms available in the form of a cheque from the government. Typical refunds are in the 30-40% of your total R&D spend, so it’s easy to see why the program is in fact one of the most ‘ real’ and ‘ attractive ‘ programs in Canada.

So at this point you’ve identified the nature of your claim, you’ve engaged an industry consultant to prepare the claim and you’re filing your claim. In certain cases claims are subject to audit and assessment – thereby prolonging the waiting period for your refund.

Tired of waiting? Consider financing your claims as soon as it is filed. Enter the SR ED financing process. SR&ED Bridge loans are typically done on a 70% loan to value basis – allowing you to monetize your claim and accelerate that cash flow benefit we have been speaking of. The main collateral for the loan is of course the SR&ED claim itself – loans are repayable at anytime and rarely last longer than a year, by which time your refund will have been approved and processed via the govt.

Recent enhancements to financing claims allow you to file for both past and present claims, as well as to start a financing process around your next year’s claim.

The SRED loan process is quick and efficient, with most claims being financed within a couple weeks. If you’re looking to accelerate R&D capital expenditures seek out and speak to a trusted, credible and experienced Canadian business Financing Advisor with a track record of success who can assist you with SRED Loans that make sense for your firm.

7 Park Avenue Financial :
Business financing for Canadian Firms , specializing in working capital, cash flow, asset based financing , Equipment Leasing , franchise finance and Cdn. Tax Credit Finance . Founded 2004 – Completed in excess of 100 Million $ of financing for Canadian corporations . Info /Contact :


7 Park Avenue Financial

SR&ED Financing LoansSouth Sheridan Executive Centre
2910 South Sheridan Way
Suite 301
Oakville, Ontario
L6J 7J8

Office = 905 829 2653

‘ Canadian Business Financing With The Intelligent Use Of Experience ‘


Stan has had a successful career with some of the world’s largest and most successful corporations.
Prior to founding 7 Park Avenue Financial in 2004 his employers over the last 25 years were, ASHLAND OIL, ( 1977-1980) DIGITAL EQUIPMENT CORPORATION, ( 1980-1990) ) CABLE & WIRELESS PLC,( 1991 -1993) ) AND HEWLETT PACKARD ( 1994-2004 ) He is an expert in Canadian Business Financing.

Stan has over 40 years of business and finance executive experience. He has been recognized as a credit/financial executive for three of the largest technology companies in the world; Hewlett-Packard, Digital Equipment and Cable & Wireless. Stan has had in depth, hands on experience in assessing and evaluating thousands of companies that are seeking financing and expansion. He has been instrumental in helping many companies progress through every phase of financing, mergers & acquisitions, sales and marketing and human resources. Stan has worked with startups and public corporations and has many times established the financial wherewithal of organizations before approving millions of dollars of financing facilities and instruments on behalf of his employers.

7 Park Avenue Financial

Canadian Business Financing