Growth Capital Where It Matters Most
Alliance Financing Group 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 technology-driven 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.
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 Group 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.