Unlock your R&D tax credits with Finstock Capital

We help companies get early access to the money that they expect to receive from HMRC in connection with their R&D expenditure by offering short term loans with flexible terms to match their individual needs.

R&D relief supports companies working on innovative projects in science and technology. It can be claimed by a range of companies that seek to research or develop an advance in their field. It can even be claimed on unsuccessful projects.

Finstock Capital offer a fantastic service. When we approached Finstock Capital for an R&D tax credit advance Oliver and Edo couldn’t have been more helpful. The process was quick and straightforward, with assistance was always offered where required. I would recommend Finstock Capital very highly.
— Charles Cridland, Your Parking Space


We work with Small & Medium Sized Enterprises (SMEs) to support cash flow during significant periods of expenditure. Companies can claim SME R&D relief if they have:

  • fewer than 500 staff; and

  • a turnover of under €100m or a balance sheet total under €86m

SME R&D relief allows companies to:

  • deduct an extra 130% of their qualifying costs from their yearly profit, as well as the normal 100% deduction, to make a total 230% deduction; and

  • claim a tax credit if the company is loss making, worth up to 14.5% of the surrenderable loss

We recognise that the working capital requirements for growth businesses do not necessarily match the timings of their payments from HMRC following an R&D tax credit application. If your firm is expecting to receive an R&D tax credit payment at an essential time in your business life cycle, we can help. We can lend up to 4 months in advance of expected receipt of the tax credit.

About £16.5bn of tax relief has been claimed since the UK Government’s research and development (R&D) tax credit scheme was launched in 2000. As more SMEs become aware of the benefits and understand what components can be expensed, the timeline from application to funding is growing, and this can be an issue for businesses with tight cashflow requirements.

We can support SMEs with short term funding to make the process shorter and smoother. 




The first step in the process is to work through what qualifies as expenditure with an R&D tax adviser. They will support you to make sure that your submission adheres to the rules. They will also confirm what can be quantified as expenditure and allocate it correctly.

We have an array of specialists that we can recommend - contact us for more information.


Once we have had confirmation from the tax adviser that the application is being made, we will conduct an assessment and due diligence, including speaking with management of the borrower.


Once we have completed our due diligence, we will provide a funding facility offer, based your requirements. 


Once the tax return has been completed and checked it should be lodged and the proceeds will be used to pay down the debt once it has been issued by HMRC.

The whole process, from first introduction to draw down of the loan amount usually only takes seven days, allowing companies to deal with a funding gap before it becomes a serious issue.