Canadian Tax Credit Financing

Growth Capital Where It Matters Most

Alliance Financing AI provides non-dilutive financing by utilizing your company's tax credits and government initiatives. Since most government programs have delayed turnaround times, we offer bridge financing that lets you access capital now—without giving up equity.

Our AI-powered platform connects you with specialized lenders who understand Canadian tax credit programs and can advance up to 75% of your expected receivables, allowing you to expand and grow while maintaining full ownership of your business.

Up to 75%

of Expected Credits

2-4 Weeks

Funding Timeline

No Equity

Maintain Ownership

How Tax Credit Financing Works

Step 1: Application Review - We review your company and the government program or tax credit you expect to receive (SR&ED, IRAP, grants, etc.).

Step 2: Approval & Advance - Once approved, receive up to 75% of your total expected receivable as immediate working capital.

Step 3: Program Funding - When you receive your government funding, it's used to repay the advance.

Step 4: Growth - Use the capital now to hire talent, expand operations, purchase equipment, or accelerate R&D while waiting for government payments.

Canadian Tax Credit Programs We Finance

SR&ED Tax Credits

Scientific Research & Experimental Development program refundable credits

IRAP Funding

Industrial Research Assistance Program grants and contributions

Film & Digital Media

Provincial and Federal film and digital media tax credits

SDTC Funding

Sustainable Development Technology Canada grants

Alberta Innovates

Quick financing against Alberta Provincial funds

Canadian Agricultural Partnership

Matching or financing against partnership programs

Ocean Supercluster

Matching funds for Canada's Federal Ocean Supercluster program

Protein Supercluster

Matching funds for Canada's Protein Supercluster program

AI Supercluster

Matching funds for Canada's Federal AI Technology and Scale Supercluster

Matching Funds for Grant Programs

Many government programs require a company to match funds or provide a capital contribution to unlock funding. We can match up to 75% of the required capital contribution, allowing you to:

Preserve cash flow for other business expenses
Unlock larger government grants without depleting working capital
Complete grant applications that would otherwise be unaffordable
Accelerate project timelines by having capital available immediately

Who Qualifies?

Canadian businesses engaged in eligible activities (R&D, film production, etc.)
Active participation in qualifying government programs or tax credit applications
Expected tax credits or grants of $50K+ (minimum varies by program)
Clear documentation of program eligibility and expected amounts
Ability to demonstrate project or business viability
No active bankruptcies or insolvencies

Benefits of Tax Credit Financing

Non-Dilutive Capital: Maintain 100% ownership—no equity given to investors
Fast Access: Get funding in 2-4 weeks vs. 12-18 months waiting for government
Unlock Growth: Hire talent, buy equipment, accelerate R&D immediately
Improve Cash Flow: Bridge the gap between spending and reimbursement
Complete Projects: Access matching funds for grant requirements
Maintain Control: Unlike venture capital, you remain in full control

Partner Network

Important: Alliance Financing AI partners with specialized Canadian tax credit financing firms who understand government programs and receivables-based lending. We match your requirements with qualified lenders in our network who have deep expertise in SR&ED, IRAP, film credits, and other Canadian innovation programs.

Industries We Serve

Technology & Software: SR&ED credits for R&D activities
Biotechnology & Life Sciences: Research grants and tax credits
Film & Media Production: Provincial and federal film tax credits
Manufacturing: Innovation and automation tax credits
CleanTech & Sustainability: SDTC and green technology programs
Agriculture: Agri-innovation and partnership programs
Advanced Materials: Research and commercialization funding
AI & Machine Learning: Supercluster and innovation programs

Typical Structure

Advance Rate: Up to 75% of expected tax credits or grants

Minimum Size: $50,000+ in expected receivables

Fee Structure: Combination of upfront fee and interest on outstanding balance

Repayment: From government payment when received (typically 12-18 months)

Recourse: Generally secured by the specific tax credit or grant receivable

*Terms vary by lender, program type, and company strength. Rates and fees depend on program risk and timing.