Recognition
You've solved a genuine technical problem, and nobody called it research
In our experience, most companies underclaim rather than overclaim, because they assume R&D means a dedicated lab team, when most qualifying work happens inside normal delivery.
Why it happens
The bar is uncertainty, not novelty to the world
If your team had to genuinely work out how to do something, rather than just look it up, and it wasn't obvious in advance whether it would work, that's usually enough to qualify. This applies well beyond software and manufacturing: process changes, material substitutions, and internal tooling built to solve a real problem all show up in real claims.
Where this fits
Supporting growth, specifically for R&D-heavy businesses
This is for businesses that have already spent money solving technical problems and want that reflected in what they owe HMRC, or borrowed against once verified. If the growth need is card-based operational spend instead, see Business Credit Cards.
Specialist insight
If you're profitable, the advance-funding market wasn't written for you
Almost everything published about R&D advance funding assumes you're loss-making and need the cash just to keep going. Profitable companies get treated as an afterthought, if they're mentioned at all. But the relief works differently when you're profitable: it reduces what you owe HMRC rather than paying out a lump sum, which changes what a lender can actually advance against, and how the numbers work out.
One thing we've noticed: HMRC's own compliance activity has stepped up in recent years, and the claims that draw scrutiny are rarely the ambitious ones. They're the thin ones. A boilerplate technical narrative that could describe almost any project is a bigger red flag than a genuinely uncertain but well-documented one. Specificity is what protects a claim, not caution.
Decision helper
What typically fits
Being unsure whether your work counts is usually a reason to check, not skip it
Companies that have already spent real money solving a genuine technical problem, in software, process, product, or materials, and haven't claimed for it or aren't sure whether their work counts. If you're unsure, that's usually a sign it's worth a proper look, not a reason to assume it doesn't qualify.
Alternatives and limitations
Advance funding follows a claim, and the adviser matters
Advance funding is usually arranged once a claim exists, rather than as a standalone product: lenders advance against a claim that's filed or close to it (see how R&D advance funding is structured). And choosing an adviser matters. Advisers who interact with HMRC on a client's behalf now fall under a formal registration requirement under the Finance Act 2026, Part 7 (Schedule 20 sets out the exemptions to it, not the requirement itself), so it's worth checking before you instruct anyone. See R&D claim services for the detail.
