When compared with the financing offer of other Canadian financial or government institutions, FINALTA CAPITAL accelerates disbursements which let you access about 50% more cash based on the same tax credits: a huge advantage that lets you sidestep the need for more expensive and dilutive additional financing.

With accelerated disbursements, FINALTA CAPITAL usually stays one or two quarterly payments ahead of other financial and government institutions, increasing your access to liquidity from 25% to 50% of the authorized loan amount.

In addition, FINALTA CAPITAL eliminates the 20% holdback of the authorized loan amount deducted by financial and government institutions until the filing of the tax credit claim is filed with tax authorities, for up to several months after the end of each fiscal year.

Combining this with disbursements accelerated by 25% to 50% of the authorized loan amount guarantees you permanent access to about 50% more cash based on the same tax credits.

It’s an unbeatable advantage that lets you invest the extra cash strategically, thus getting your technologies to market quicker and raising your company’s value.

In other words, given the same R&D program and the same business situation, but by choosing FINALTA CAPITAL over another financial or governmental institution, you can generate about 50% more liquidity at any point in time, using the same tax credits.

By maximizing the financing of your short-term assets, you can minimize or delay recourse to more costly or dilutive sources of capital such as subordinated debt and equity.

Some financial institutions may lower their interest rates to compete.

The difference in cost, which is often modest, is insufficient to offset the accelerated valuation your company will experience through access to approximately 50% more liquidity on a permanent basis.

And with FINALTA CAPITAL, these funds are available when you really need them.

Calculate your advantage with FINALTA CAPITAL

Fiscal Years
Percentage of funding
Tax credits
Other Financial Institutions
eBusiness, Multimedia
Fiscal year
eBusiness, Multimedia
% funded Finalta Other Financial Institutions
SR&ED % %
eBusiness, Multimedia % %

Loan balance for outstanding loans

To use our simulator and calculate your advantage, please visit our site on your computer.
Accelerated disbursements with FINALTA CAPITAL
Traditional loan with other Financial Institutions
Other Financial Institutions average

Accelerate your business with FINALTA CAPITAL

Loan amount
Disbursement at closing
Average amount disbursed

Sectoral funds set up by FINALTA CAPITAL

Create yours


See the comparison basis (data and hypotheses) with other financial institutions

Data and hypotheses