Financement R&D

R&D tax

credit financing

CAE Capital provides fast and flexible financing solutions to meet the expansion needs of your business.

By feeding your working capital on an ongoing basis, research and development financing is an economic lever that allows you to develop your organization’s innovation potential and continue reaching your growth objectives without affecting your share capital.

Several credits are eligible!

You can receive interim financing of tax credits if your company qualifies for one or more of the following credits:

  • Tax credits for scientific research and experimental development (SR&ED)
  • Tax credits for knowledge-based economy activities
  • Tax credits for payroll increase
  • All other recognized tax credits

Favourable terms

Granted financing can reach 75% of a fiscal year’s refundable tax credits.

It is possible to finance the tax credits of past, current and even future fiscal years.

  • Loan accompanied by a first fixed and specific chattel mortgage on financed tax credits
  • Financing between $50,000 and $500,000
  • May be subject a personal surety
  • The interest rate is based on the risk of the project
Financement de commandes



CAE Capital supplies the financing needed to produce your orders, contracts and work in progress so that your company reaches its growth objectives more quickly and keeps its working capital healthy.

Our flexible financing solutions act as an essential complement to your company’s working capital without affecting your share capital.

Favourable terms

The financing granted is equivalent to the cost of the wages and raw materials needed to produce orders. It can reach 75% of the sale price.

You can finance one to three orders per company.

  • Loan accompanied by a first fixed and specific chattel mortgage on receivables of financed orders
  • Financing between $50,000 and $500,000
  • May be subject to a personal surety
  • Payments directed to CAE Capital
  • Processing fees between 3% and 5%
  • Interest rates between 10% and 12%

Is your business eligible?

To obtain financing for orders, contracts or work in progress, you must meet the following criteria:

  • Be a manufacturing or specialized services company
  • Have been in operation for at least 1 year
  • Have orders of at least $50,000 to finance
  • Demonstrate you’ve obtained contracts
  • Establish the financial credibility of clients who granted you the contracts
  • Provide the purchase orders to be financed
  • Provide the Export Development Canada (EDC) proof of insurance for international clients
  • Other prerequisites possible depending on the project
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