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R&D Tax Credit Loans

Get your R&D tax credits faster and invest them in your business now.

Access funds within a week, sometimes days

Reduce financial risk

Use R&D tax credit payments as security or collateral

Up to 80% value as a cash payment

Available to both large and small businesses
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Boost your cash flow with advance funding on your R&D tax credit claim.

Many traditional lenders and investors are quick to dismiss most of the loan applications that come their way — but we don’t.

We are here to provide you with assistance when you need it the most.

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No-nonsense, straightforward R&D tax credit loans.

Our mission is simple: empower businesses across the UK to optimise their innovation with R&D advanced funding. With your R&D tax credit claim received in advance, you can reinvest in new or ongoing projects and research. Giving you a head-start and an edge over the competition.

It is important to note that all claimant companies must now complete the Additional Information Form (AIF) prior to submitting a CT600, as claims without this will be rejected by HMRC. Providing this information and details to HMRC helps the government to identify high-risk claims. All claims submitted on or after the 8th of August 2023 must complete this form. Read more about the changes to research and development tax credits here.

Apply for R&D Tax Credit in 5 Simple 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

Based on the information provided, we’ll issue a term sheet for discussion and signature.

Finance 

Once the term sheet is agreed, we’ll issue relevant legal documents and make payment when signed.

Repay

Our loan is repaid once HMRC has processed your tax credit claim.

Apply for R&D Tax Credit in 5 Simple 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

Based on the information provided, we’ll issue a term sheet for discussion and signature.

Finance 

Once the term sheet is agreed, we’ll issue relevant legal documents and make payment when signed.

Repay

Our loan is repaid once HMRC has processed your tax credit claim.

Access Funds within 1 week with R&D tax relief loans

Don’t wait longer than you have to! HMRC currently have a turnaround time of approximately two months. Based on other factors, it may take longer for many SMEs to get their Research and Development Expenditure Credit (RDEC) tax credits from the Government. Especially because you can only file for the credit at the company’s financial year-end.

With Buzz Capital, you can draw down those funds up to 3 months in advance of your current year-end and there is no requirement to wait until the CT600 has been submitted.

I would recommend Buzz Capital and will always be using them

“The Team at Buzz Capital were very quick to assess and approve our loan. We were very impressed by their transparent process and well-informed approach to setting up the funding facility. Highly recommended for start-ups looking to access capital against R&D refunds.”

Zeryab Cheema • Director • Iview Incorporation

What is an R&D Tax Credit Loan?

An R&D tax credit loan is a financial service that allows your business to use future R&D tax credit payments from HMRC as security or collateral. The idea is to allow your business to gain access to an affordable loan in the here and now.

With an R&D tax credit loan from Buzz Capital (a secured business loan), you can gain the money to drive your business forwards now, not later. Our team help you beat the inflexibility of the Government incentive with fast access to the Tax Credits you are entitled to.

Tax Credits loans can be claimed by a range of companies that seek to research or develop an advance in their field, no matter what industry that may be. Including start-ups and small businesses. Relief can even be claimed on unsuccessful R&D projects.

Other Industries We Can Help With Tax Credit Loans

We offer a range of finance options which we can tailor to meet the needs of your requirements. In addition, we’ve constantly got our eye on the market and regularly review our finance options to make sure we remain competitive

Is your business eligible to apply?

Before starting the application process, we advise that you check with your accountant or an R&D specialist if your business qualifies for the R&D tax credit scheme. Whether a company is eligible or not is not something that can be determined by these 4 facts alone but they do serve as a good indicator. Whether Buzz are able to use your R&D claim as collateral for a loan will be subject to more detailed due diligence.

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 to apply?

Before starting the application process, we advise that you check with your accountant or an R&D specialist if your business qualifies for the R&D tax credit scheme. Whether a company is eligible or not is not something that can be determined by these 4 facts alone but they do serve as a good indicator. Whether Buzz are able to use your R&D claim as collateral for a loan will be subject to more detailed due diligence.

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 R&D tax credits and get them now.

Most businesses underclaim or fail to make a claim at all. Don’t wait around delaying your R&D tax refunds when you can have them in a few days. Also, many businesses fail to claim their refunds properly and/or do not claim back everything they’re entitled to. Contact Buzz Capital to confirm your eligibility today.

Frequently Asked Questions

R&D stands for “Research and Development”. A business undertaking research and development activities are essentially seeking to innovate, improve or introduce new products and services.

Whilst it is a prerequisite that the outcome of such activities should be uncertain and carry a significant degree of risk, the ultimate goal for a business is often to improve performance to ensure future competitiveness and growth.

A research and development tax credit is a cash payment provided by HMRC to eligible companies. Companies include their claim for an R&D tax credit when they file their accounts and submit their CT600 to HMRC at the end of their financial year. R&D tax incentives are intended to reward qualifying UK companies that are investing in innovation.

Days. Whilst a number of factors can influence the process, we aim to have the funds in your business account within a matter of days.

R&D tax reliefs have been set up by the Government to support companies that work on innovative projects in science and technology.

Under this SME scheme, it is possible for a range of companies, regardless of the industry, to claim tax credits for research and development. There is even the possibility of claiming relief for unsuccessful or loss-making research and development projects.

Once you have filed your CT600 tax return at the end of the financial year, HMRC aims to pay a tax credit within 28 days, but in reality this has proven in recent times to take much longer.  If you want access to the funds right away, Buzz Capital can provide you with a quick R&D advance so you can cut out the financial waiting game.

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.

Research & Development Tax Credits now require companies to complete an Additional Information Form (AIF) before submitting their CT600. This is required regardless of the claim date. Without this completed form, HMRC will reject the claim. It is therefore important for businesses to allow adequate time to complete the form.