Genius shouldn't have to wait.
You did the R&D. The refund is coming. The ATO just takes its time. SmartyPants advances your R&DTI refund and maximises your claim, so brilliant companies never stall waiting for their own money.
$3B+
in R&DTI refunds paid by the ATO every year
Up to 80%
of your verified refund, advanced
43.5c
back on every eligible R&D dollar
Two ways we help. Pick your problem.
SmartyPants Capital
Your refund, months early. We advance up to 80% of your verified R&DTI claim. The ATO repays us directly when your refund lands. No equity. No drama.
How advances work →SmartyPants Advisory
Most companies under-claim. Our specialists find what generalists miss, structure it properly, and make it audit-proof.
How claims work →The Brain, on your screen
Every number that matters. One annoyingly clear dashboard.
See your eligible spend, your advance available and your estimated refund update in real time, while your dedicated SmartyPants contact flags exactly what to do next. No spreadsheets harmed.
Start the Simple Diagnostic
Equal parts brain and heart.
The Brain.
Our agentic AI lives and breathes R&DTI. It reads your claim, spots the gaps, predicts outcomes, and moves at the speed of code. Frankly, it's a bit of a show-off.
The Heart.
We practise character-based lending. We look at the person behind the prototype, not just the balance sheet. Innovation isn't a risk profile. It's the whole point.
The Handshake.
We say what we do and we do what we say. Transparent pricing, honest timelines, and no bank-speak. If something will take longer, you'll know first, not last.
Advisors, brokers, funds: there's a fee in this for you.
You sit in front of eligible companies every day. We do the heavy lifting and pay you a referral fee for the introduction. Most specialist lenders pay nothing. We think that's a bit dim.
Our pricing is on the website. Radical, we know.
Advances are typically 17% p.a., from 15% p.a., plus a $1,500 origination fee. That's it. No hidden fees, no exit surprises, no asterisk farm. All rates are indicative and confirmed in your term sheet.
See how it works →Five minutes. Two answers.
The SmartyPants Simple Diagnostic tells you how much you could claim, and how much of it you could have early.
Start the Simple Diagnostic