R&D Tax Consultants 
Why Founders Choose Kashcade
Australia's fastest R&D lender, purpose-built for innovative companies
Funded in 48 Hours
Stop waiting months for your R&D refund. Kashcade's online platform gets capital into your account in as little as 48 hours.
100% Non-Dilutive
Keep your equity. Borrow against your future R&D Tax Incentive refund without giving up a single share.
No Monthly Repayments
Maximise your runway. Interest compounds monthly and the loan is repaid when your R&D refund arrives. No ongoing cash drain.
Up to 100% of Your Refund
Access 80–100% of your accrued R&D refund, subject to assessment. Put your future refund to work today.
Simple Online Application
Apply in minutes through Kashcade's digital platform. No complex paperwork, no long approval cycles.
Grow Your Next Refund
Reinvest your advance into more R&D activities and increase the size of your next refund. It's a virtuous cycle.
How It Works
From application to funding in four simple steps
Apply Online
Complete a quick application on Kashcade's platform. It takes just a few minutes and there's no obligation.
Get Assessed
Kashcade reviews your R&D activities and refund estimate. You'll receive a funding offer within hours.
Receive Your Funds
Once approved, capital is deposited directly into your account, typically within 48 hours.
Repay When Your Refund Arrives
The loan is repaid automatically from your R&D Tax Incentive refund. No monthly repayments in between.
Transparent, Founder-Friendly Pricing
Straightforward pricing with no hidden fees
Set-up Fee
$950
Deducted from your advance. No out-of-pocket costs.
Interest Rate
1.38% / month
Compounding monthly. No monthly interest repayments.
Advance
80–100%
Of your accrued R&D refund, subject to assessment
What is an R&D Loan?
An R&D loan (sometimes called an R&D advance or R&D refund financing) lets you borrow against your expected R&D Tax Incentive refund before the ATO processes your claim. Instead of waiting 6–12 months for your refund to arrive, you receive the capital upfront and repay it when the refund comes through.
R&D loans are non-dilutive, meaning you don't give up equity. There are no monthly repayments; interest compounds and the loan is settled in full when your refund is paid. This makes R&D financing a popular option for startups and growth-stage companies that want to reinvest in innovation without running down their cash reserves.