Yes — UCapital specializes in SR&ED tax credit financing for innovative Canadian businesses. If your company invests in qualifying research and development, we can help you unlock the value of your SR&ED claim before CRA processes it, turning future tax credits into working capital.
It is based on eligible R&D expenditures (salaries, materials, overhead, and contract costs) multiplied by applicable federal and provincial tax credit rates. Rates vary based on business structure and CCPC status.
Once you have eligible R&D activities identified or a claim in progress, our team reviews your situation to structure a solution. We guide you through documentation to get capital moving quickly without waiting months for the CRA.
In many cases, yes. Structuring both together can amplify funding, provided project timelines and reporting are structured correctly to avoid overlap issues.
Invoice factoring lets you convert outstanding invoices into immediate cash rather than waiting 30, 60, or 90 days for payment. It is an advance on the value of work already completed, making it a flexible alternative to debt for industries like oil and gas, manufacturing, and trucking.
We offer SR&ED tax credit financing, bridge loans, invoice factoring, asset-based lending, and deposit financing.
A bridge loan is short-term financing designed to cover the gap until longer-term funding kicks in. It is often used for seizing time-sensitive opportunities or closing real estate transactions.
With a lease, you pay for the use of an asset over an agreed term rather than borrowing to buy it. This preserves working capital and keeps the balance sheet cleaner.
We lease commercial equipment, vehicles, and machinery for industries such as construction, transportation, and manufacturing.
Yes, commercial vehicles can be used as collateral for asset-backed financing. We assess market value, age, and condition to determine eligibility.
We offer bridge financing suited for real estate transactions, particularly when managing timing between a sale and purchase.
This is for buyers who have a firm offer on their current home but need funds for a deposit on a new property. We can arrange unsecured loans of up to $100,000 (OAC) repaid from the sale proceeds.
Debtor-in-Possession (DIP) financing is for companies undergoing formal restructuring (CCAA or BIA). It allows management to stay in control while accessing capital to stabilize operations.
Yes, it is specifically structured to allow management to remain at the helm while a restructuring plan is developed and approved.
Generally, we look for businesses operating for at least six months with positive cash flow and reasonable credit history. Note that SR&ED financing is tied to your R&D claim rather than traditional credit metrics.
We look at the full picture, including your business plan and revenue trajectory. While some products have minimum requirements, we encourage a conversation to see what is available to you.
Decisions are typically provided within a few business days of receiving a complete application and supporting documents.
A credit review is standard and may include a hard credit inquiry depending on the product.
Requirements vary, but generally include recent financial statements, bank statements, and proof of business registration.
No, we are a specialty lending firm. This allows us to be more flexible and relationship-driven than traditional banks.
UCapital is a privately held firm led by Managing Partner Greg Thompson. Our owner-managed structure allows for faster decisions without layers of bureaucracy.
We serve a wide range of industries including technology, oil and gas, manufacturing, transportation/trucking, and real estate.
Yes, UCapital is a Canadian company serving SMBs across the country.
Our office is in Kelowna, BC. While based in BC, many of our products (especially SR&ED financing) are available to businesses across Canada.
Contact us via our website form at ucapital.ca/contact or call (250) 300-3015.
We are available Monday to Friday during standard business hours. Our chatbot is available 24/7 for after-hours inquiries.
No, UCapital is a lending firm, not an employment agency. We can, however, help business owners finance payroll and staffing costs.
