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ArchOver 21 Jun 2019 03:37pm

R&D tax claims: How ArchOver’s loans support SMEs

SPONSORED CONTENT: How do you support your clients’ growth goals? ArchOver does it by facilitating short-term loans (3 to 12 months) that advance up to 70% their clients’ Research & Development tax claims - with borrowing rates from as little as 1% per month, no personal guarantees, no equity dilution, no hidden fees, and no penalty for early repayment

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Caption: Connecting high-growth SMEs with the cash they need to grow

Advances are available from the 7th month of your clients’ financial year to approximately 3 months before the R&D claim will be paid. Your involvement in advising your client on the R&D claim is essential to ArchOver’s process.

ArchOver is a business lending service, connecting businesses that need working capital with investors seeking favourable returns. Through their platform, lenders (individuals, family offices and institutions) pledge to borrower projects, providing them with the money they need to achieve their goals.

One of ArchOver’s clients in the security industry, a company that developed an innovative scanner that screens people for concealed weapons and other security risks, is already on to its second RDA loan with the platform.

Following a recent product launch, the company was seeking growth capital to expand sales globally, and approached ArchOver for an R&D Advance. ArchOver facilitated their first six-month loan in the sum of £125,000 in March 2018, based on the company’s expected R&D tax claim for that year. Without this cash injection, the company’s expansion would have been delayed, specifically development for, and sales in, targeted geographic regions.

After another successful year, in April 2019, the company approached ArchOver for its second RDA loan – this time, in the sum of £100,000 for a 12-month term against a future R&D tax claim for the current year. This second loan will provide the company with increased working capital to continue to support their sales growth.

ArchOver is all about quality. They carry out rigorous due diligence to ensure they fully understand their borrowers’ businesses, what they are trying to achieve and the challenges they face. They take the time to get to know them.

ArchOver’s founders come from an SME background, so they know that every business is unique, and should be treated that way. They have a proven record not only of helping businesses secure funding, but also helping their borrowers when they meet challenges outside their control. They believe that British entrepreneurialism is worth fighting for –if a business is still viable, they will help find the best way forward.

ArchOver has a range of loan types helpful to businesses at different stages in their journey and that lenders can pledge to, with lender interest rates ranging between 6% and 11% depending on the level of security. Lenders can also earn tax-free returns by using their annual IFISA allowance of £20,000 and/or by utilising their Investment Plan service – an automated portfolio that spreads lenders’ cash across multiple projects.

ArchOver offers the potential of better returns for borrowers and lenders alike. They deliver on that promise for British SMEs. If you need capital to help you grow, they help make it happen.

Can ArchOver support your clients by advancing their current R&D tax claim?

rda@archover.com
020 3021 8100
archover.com/rda

ArchOver is authorised and regulated by the Financial Conduct Authority 723755.
Lender capital is at risk and interest payments are not guaranteed if the borrower defaults.
Lending over the ArchOver platform is not covered by the Financial Services Compensation Scheme.