# Finalta Capital

Source: https://businessloanbroker.ai/lenders/finalta-capital/
Site: BusinessLoanBroker.ai (powered by Levr)

> Finalta Capital advances $250,000 to $10 million against SR&ED credits and grants for Canadian companies above $1 million revenue. See who qualifies.

Finalta Capital is a Montreal private debt fund that lends against SR&ED tax credits and government grants so innovative companies can access the cash before the government pays. It funds Canadian companies, typically above $1 million in revenue with recurring tax credit eligibility, from $250,000 to $10 million.

## Key facts
- **Products:** Grant and tax credit financing, SR&ED financing
- **Funding range:** $250,000 to $10,000,000
- **Repayment:** Bridge advance repaid when the tax credit or grant is received
- **Security:** Secured against the tax credit receivables
- **Operates in:** Canada
- **Industries:** Video games, aerospace, digital and AI, manufacturing, electric transportation
- **Founded and headquarters:** 2012, Montreal, Quebec

## What does Finalta Capital offer?

Finalta Capital offers one thing, done at scale: bridge financing against SR&ED tax credits and government grants. It advances $250,000 to $10 million against credits you have earned or are accruing, secured by those receivables, and is repaid when the government pays. It is an evergreen fund backed by Fonds de solidarité FTQ since 2017, and its website is finaltacapital.com. It publishes more than $500 million financed across 163 companies since 2012, as of June 2024, and a $31 million fund raise in 2024. Our [SR&ED and grant financing](https://businessloanbroker.ai/business-loans/sred-and-grant-financing/) page explains the structure.

## Who does Finalta Capital fund, and who do they decline?

Finalta funds innovative Canadian companies with meaningful, repeatable tax credit claims. Its published fit is revenue above $1 million and recurring eligibility, in sectors such as video games, aerospace, digital and AI, manufacturing and electric transportation. Its Quebec roots mean it also understands provincial programs well.

It does not publish decline criteria. The $250,000 floor is the practical filter: a company with a small claim or a first time filer with no history is better served by [Bonsai Growth](https://businessloanbroker.ai/lenders/bonsai-growth/) or [Venbridge](https://businessloanbroker.ai/lenders/venbridge/). Companies outside Canada are not eligible.

## What does it typically cost and how fast is it?

Finalta does not publish rates, fees or timelines; pricing is quoted per file. Tax credit bridges are usually priced as a monthly rate on the advance plus a setup fee, with the amount advanced below the full claim to leave room for an adjustment. The typical range is on our [SR&ED and grant financing](https://businessloanbroker.ai/business-loans/sred-and-grant-financing/) page. Expect the process to take longer than a cash advance because the fund reviews your claim and your eligibility history.

## What will you need to apply?

Bring your SR&ED technical and financial schedules or grant agreements, prior notices of assessment showing credits paid, financial statements, a current forecast, bank statements, a cap table and corporate documents. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers the baseline; the claim history is the key extra for this lender.

## How does Finalta Capital compare with similar lenders?

[Venbridge](https://businessloanbroker.ai/lenders/venbridge/) lends $100,000 to $2 million against accrued SR&ED credits or recurring revenue on 24 to 36 month terms or a quarterly line, which suits a smaller technology company. [Bonsai Growth](https://businessloanbroker.ai/lenders/bonsai-growth/) sizes each loan to the claim, takes no personal guarantee, and typically funds within 10 to 15 business days. Finalta is the choice for larger claims and companies that want a long term funding partner for repeat credits.

## How to apply

Apply once on this site and matching shows whether Finalta Capital, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Finalta Capital | SR&ED, grant and tax credit financing | $250,000 to $10,000,000 | Canada | Innovative Canadian companies above $1 million revenue with recurring credits |
| Venbridge | SR&ED and grant financing, line of credit | $100,000 to $2,000,000 | Canada | Canadian tech companies with accrued SR&ED credits or recurring revenue and claim history |
| Bonsai Growth | SR&ED, grant and tax credit financing | Sized to the claim | Canada | Canadian startups with tax credits or awarded grants wanting bridge capital |

## Questions and answers
**What is the minimum loan with Finalta?**

$250,000, as published. Companies with smaller claims should compare Venbridge, which starts at $100,000, or Bonsai Growth, which sizes to the claim.

**Do I need prior SR&ED claims?**

Finalta's published fit is recurring tax credit eligibility, so a history of approved claims helps. A first claim is not excluded but will be reviewed more closely.

**Is Finalta only for Quebec companies?**

No. It is based in Montreal and backed by Fonds de solidarité FTQ, but its market is Canada.

## Related
- [Venbridge](https://businessloanbroker.ai/lenders/venbridge/)
- [Bonsai Growth](https://businessloanbroker.ai/lenders/bonsai-growth/)
- [SR&ED and grant financing in Canada](https://businessloanbroker.ai/business-loans/sred-and-grant-financing/)
- [Business bridge loans](https://businessloanbroker.ai/business-loans/bridge-loans/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-finalta-capital
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)