Borrower Service – Research & Development Advance
Borrower rates from 12% p.a.


  • Unsecured short-term loan against R&D tax claim
  • For companies with history of successful R&D claims
  • Claim funds paid direct to ArchOver controlled bank account
  • R&D claim prepared by third party professionals

Research & Development Advance is short-term lending against an identified Research & Development (R&D) claim payable to a company by HM Revenue and Customs (HMRC).

HMRC has made allowance for companies they deem to be undertaking qualifying Research & Development activities. Companies can claim cash repayments of up to 33% of the qualifying R&D expenditure. The claims are made with a company’s tax return (CT600) each year, with claims up to two years in arrears also allowed.

It can take up to six months between a company making a claim and receiving payment from HMRC. ArchOver helps companies bridge this gap by facilitating a loan under this RDA lending service.

The RDA is available only to companies that can demonstrate a history of successfully claiming R&D tax credits from HMRC with at least two years of successful claims need to have been made. Additionally, the company must have retained professional advisers to help in the preparation of the R&D tax credit claim. When making the claim, the company seeking the advance must advise HMRC to pay all the funds claimed to an ArchOver controlled bank account. The directors of the company seeking the advance must warrant that the PAYE, CIS, VAT and CT payments are up to date (ie, that the company has no overdue debts to HMRC) and will be maintained up-to-date throughout the period of the loan.

Further, the directors confirm that, in their reasonable opinion and having made reasonable enquiries, the borrowing business has sufficient funds to trade through the period of the loan and beyond.

Risk Warning

Lenders: Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Historic loan default rates are not necessarily indicative of future default rates. Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme. The current average return is based on the total amount raised over the platform. It is the result of calculating the average Lender return, before tax, of every loan funded over the ArchOver platform. Borrowers: In the event of default, ArchOver will seek to recover assets to the full value of the loan. Understand more about: Detailed Risk Warning, Defaults, Recoveries & Losses, General FAQs .