Key facts
| Product | Payroll tax offset |
| Funding type | Grants & tax credits |
| Estimated rate as of today | No cost — non-repayable |
| Pricing source | Estimated as of today |
| Time to cash | About 6 months |
| Typical size | Up to $500K |
| Term | — |
| Requirements | Needs qualifying R&D spend |
| Regions | US |
| What they underwrite | Your R&D proposal |
| Collateral | None |
| How you repay | Never (grant) |
| Dilution | None |
R&D tax credit pros and cons
- Publishes its pricing
- Non-repayable, and you give up no equity
- No revenue minimum listed
- Slow: about 6 months to cash
- US only
Deep-tech or R&D-heavy work.
Slow, competitive, and restricted to approved uses.
R&D tax credit alternatives
Other grants & tax credits providers, fastest first.
| Provider | Estimated as of today | Time to cash | Requirements | |
|---|---|---|---|---|
| SBIR/STTR Phase I US federal R&D grant |
No cost — non-repayable | About 5 months | No hard minimums listed | Compare → |
| SBIR/STTR Phase II US federal R&D grant |
No cost — non-repayable | About 6 months | Usually requires a Phase I award | Compare → |
| EIC Accelerator EU grant + optional equity |
No cost — non-repayable | About 6 months | No hard minimums listed | Compare → |
Compare R&D tax credit
R&D tax credit FAQ
How much does R&D tax credit cost?
Estimated rate for R&D tax credit's payroll tax offset as of today: No cost — non-repayable. This is an estimate as of today, not the lender's quoted interest rate. Your actual cost depends on your business and R&D tax credit's underwriting.
How fast does R&D tax credit fund?
About 6 months from application to cash, based on typical timelines.
What are R&D tax credit's requirements?
Needs qualifying R&D spend. Available in US.
How much can you get from R&D tax credit?
Up to $500K.
What are the best alternatives to R&D tax credit?
Other grants & tax credits providers include SBIR/STTR Phase I (No cost — non-repayable, about 5 months); SBIR/STTR Phase II (No cost — non-repayable, about 6 months); EIC Accelerator (No cost — non-repayable, about 6 months). Compare all 4 side by side on B2B Agent.
R&D tax credit won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at R&D tax credit? Copy the code below to show your award on your website.
Something out of date? Update this listing and we'll review it within two business days.
Is R&D tax credit your best option?
Price R&D tax credit against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.