What is R&D Financing
R&D financing is a funding solution that allows businesses to access their expected R&D Tax Incentive (R&DTI) rebate early, rather than waiting until the end of the financial year. This provides immediate cash flow, helping companies reinvest in innovation, cover operational expenses, and scale their business without financial delays.
Get the Funding You Need in 6 Easy Steps
We’ve designed our application process to be fast, simple, and hassle-free, so you can focus on what matters—growing your business. Follow these six easy steps to access your R&D financing quickly.
01
Get In Touch
02
Check Your Eligibility
03
Gather Your Documents
- Your AusIndustry registration letter
- Your previous financial year’s tax return
04
Confirm Your ATO Position
05
Apply With Confidence
06
Receive Your Funds
Why Choose Rocking Horse
Rocking Horse provides fast, flexible R&D finance, giving businesses early access to their R&D Tax Incentive rebate to support innovation and growth.
Fast & Flexible Financing
Get early access to your R&D Tax Incentive rebate with tailored funding options designed to suit your business needs.
Industry Experts in R&D Finance
Our specialist team understands R&D funding inside out, helping you navigate the process with confidence.
Quick Response & Approval
Speed matters. Our streamlined process ensures fast approvals so you can access funds when you need them most.
No Personal Guarantees Required
Unlike traditional loans, Rocking Horse does not require directors to provide personal guarantees. This minimises risk for founders and business owners while still giving you early access to your expected R&D tax rebate.
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FAQs
Find answers to common questions about R&D financing for your business.
R&D financing allows businesses to access early funding based on their accrued R&D spend, giving them quicker access to the expected R&D Tax Incentive (R&DTI) rebate. Rather than waiting until tax time, companies can bring forward their rebate and use the funds to support growth, operations, or continued R&D. This improves cash flow without compromising their claim process.
R&D financing typically involves securing funds based on eligible R&D expenditures. Companies can receive early access to tax rebates, allowing them to reinvest in their projects sooner. This process streamlines cash flow and supports ongoing innovation.
No, you don’t need to have completed your R&DTI application before securing R&D finance, but you must go through the full process before lodging your tax return to ensure eligibility.
No, R&D finance is a loan secured against your expected R&DTI rebate. It allows you to access funding sooner rather than waiting for your tax refund at the end of the financial year.
To qualify, your business must:
✔ Be eligible for the R&D Tax Incentive
✔ Have incurred eligible R&D expenses
✔ Have a track record of R&D investment or an approved R&DTI claim history
While the loan is based on R&D spend, you can use the funds however you choose—for R&D activities, hiring, marketing, or scaling operations.
Approval is fast and flexible, with funding typically available within days once your application is processed.
Still have questions?
We’re here to help you navigate R&D financing.
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