Non-repayable government funding or credits for R&D.
Deep-tech or R&D-heavy work.
Slow, competitive, and restricted to approved uses.
At a glance
| Family | Grants & credits |
| What gets underwritten | Your R&D proposal |
| Collateral | None |
| How you repay | Never (grant) |
| Dilution | None |
| Typical pricing | No cost — non-repayable |
| Typical time to cash | About 5 months to about 6 months |
| Good for | R&D |
Grants & tax credits providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| SBIR/STTR Phase I US federal R&D grant |
No cost — non-repayable published |
About 5 months | Up to $314K | No hard minimums listed | US |
| SBIR/STTR Phase II US federal R&D grant |
No cost — non-repayable published |
About 6 months | Up to $2M | Usually requires a Phase I award | US |
| R&D tax credit Payroll tax offset |
No cost — non-repayable published |
About 6 months | Up to $500K | Needs qualifying R&D spend | US |
| EIC Accelerator EU grant + optional equity |
No cost — non-repayable published |
About 6 months | Up to $2.7M | No hard minimums listed | EU |
Is grants & tax credits right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
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.