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SME R&D Tax Credit Loans
Cut the time you wait for your research and development tax credit relief. Our SME tax credit loans allow you to boost your cashflow sooner to invest back into your business.
For small to medium businesses.
Accessible funds within a week, sometimes days.
Quickly invest funds back into your business.
Loan of up to 80% R&D tax credit value.
Help your small or medium-sized business buzz with straightforward finance.
Applying for R&D tax credit relief is crucial for small to medium-sized businesses to optimise their innovation.
One of the most common mistakes with R&D tax credit that we frequently see is companies applying for the wrong R&D scheme.
The SME R&D tax credit scheme is for small to medium-sized businesses while the RDEC scheme is for large enterprises. We support both to get the most out of their R&D tax credit.
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SME advanced funding to plug a cashflow gap for SMEs.
SMEs are categorised as:
– Fewer than 500 employees.
– An annual turnover not exceeding £86.12 million, Or
– A balance sheet not exceeding £74.06 million.
Following April 1st 2023, loss-making SMEs have been able to deduct 18.6% from their annual tax expenditure.
After April 1st 2024, the SME and RDEC scheme will be merged together, with a 19% notional tax rate for loss-making companies. However there will be an enhanced rate for R&D-intensive SME businesses, whose qualifying expenditure is 30% or more of their total expenditure.
Call us today for SME R&D tax credit relief!
Apply for SME R&D Tax Credit relief in 4 steps
As a business owner investing in research and development, you may be eligible for R&D Tax Credits. Applying for a loan with Buzz Capital is a simple process that can be completed in just five steps.
Apply
Fill out your online application form – this takes 5-10 minutes.
Agree
Using your information, we’ll issue a term sheet for discussion.
Finance
We’ll issue relevant legal documents, and make payment once signed.
Repay
Our loan is repaid once HMRC has processed your tax credit claim.
Apply for SME R&D Tax Credit relief in 4 steps
As a business owner investing in research and development, you may be eligible for R&D Tax Credits. Applying for a loan with Buzz Capital is a simple process that can be completed in just five steps.
Apply
Fill out your online application form – this takes 5-10 minutes.
Agree
Using your information, we’ll issue a term sheet for discussion.
Finance
We’ll issue relevant legal documents, and make payment once signed.
Repay
Our loan is repaid once HMRC has processed your tax credit claim.
Receive funds for SME R&D Tax Credit within one week
Our process is tailored to ensure that every small to medium-sized business receives the most improved cashflow possible.
We pay attention to every loan application that comes our way.
With over 60 years of experience in the finance industry, we will offer the best loan option for you.
I would recommend Buzz Capital and will always be using them
“Alena and Marcus at Buzz have been a pleasure to work with in regards to the speed at which they can move on a piece of work, it is probably the best I have seen…. When offering advance loans against R&D tax credits and receivables, you need to work at a rapid pace and this really shows their ability when turning work around from start to finish. Let’s face it, this kind of work can sometimes be complicated and tiresome, but because of the teams’ knowledge, professionalism and focus, they can move as fast as the client, there is never any waiting around. I would recommend Buzz Capital and will always be using them with my clients work in the future because I know they job gets done properly.”
Heath Lansbury • Director • Shadow Holdr Ltd
What is the R&D SME scheme?
The SME R&D Tax Credit Scheme is a government initiative designed to encourage research and development (R&D) activities among small and medium-sized enterprises (SMEs). Eligible businesses can claim tax credits as an incentive for investing in innovative projects and technological advancements.
To qualify, SMEs must be engaged in activities that seek to achieve scientific or technological advancements, addressing challenges or uncertainties. The scheme offers a reduction in a company’s tax liability or, for loss-making companies, a payable tax credit.
Getting a loan for R&D tax credits allows businesses to access their tax relief quicker, since Government disbursement can take months. This fast access helps companies invest in ongoing research, hire skilled personnel, or upgrade technology. It also helps manage cash flow effectively, preventing financial constraints while waiting for tax credit reimbursement.
Industries we support with R&D Tax Credit for SMEs
We constantly keep our eye on the market and regularly review our finance options to make sure we remain competitive for our customers. Our finance options for SME’s can be tailored to your requirements, so you can get a bespoke option that is best for your business.
Is your business eligible for SME R&D tax credits?
We advise you to check with your accountant or an R&D specialist if you qualify for the R&D tax credit scheme. The main criteria that can generally determine whether a business is eligible for research and development tax relief are:
Looked for an advance in science & technology
Had to overcome a level of uncertainty
Tried to overcome this uncertainty through R&D
Could not be easily worked out by a professional in the field
Is your business eligible for SME R&D tax credits?
We advise you to check with your accountant or an R&D specialist if you qualify for the R&D tax credit scheme. The main criteria that can generally determine whether a business is eligible for research and development tax relief are:
Looked for an advance in science & technology
Had to overcome a level of uncertainty
Tried to overcome this uncertainty through R&D
Could not be easily worked out by a professional in the field
Get the maximum amount of SME Tax Credit relief, as quickly as possible.
Don’t wait around to receive your tax credits when this could be improving the cashflow of your business. Opting for a loan secured against the R&D tax credits offers businesses immediate access to funds, avoiding the wait for government disbursement.
We find that most small to medium-sized businesses miss out the most by underclaiming their R&D tax relief, or not claiming at all.
Frequently Asked Questions
Days. Whilst several factors can influence the process, we aim to have the funds in your business account within a matter of days, subject to receiving the required supporting documentation and due diligence.
No, we do not usually require personal guarantees.
No. Any fees or interest rates will be deducted from the gross loan to leave a net day 1 advance, so that you are never out of pocket to pay costs.
No, you can apply at any time. This also enables you to get your R&D tax credit relief faster.
Read our comprehensive guide here about what expenses can be claimed under the SME scheme for R&D tax credit.
Once we have a clear idea of how much your R&D Tax Credit is worth, we can advance you up to 80% as a cash payment directly into your bank account. You can then use the advanced cash to help your business grow; whatever way that may be.