Kinetica Financial Pty Ltd (Kinetica) provides innovative lending solutions to start-up and early-stage growth companies. We provide loans primarily secured against the research and development (R&D) tax incentive, a Federal Government incentive program that provides cash incentives of up to 43.5 cents in the dollar to eligible companies that meet certain legislative provisions under the Australian Income Tax Assessment Acts.

Our lending solution has been designed to simplify the documentation requirements for a company to obtain approval for a loan. We take the pain out of needing to purely correspond via email for the sending of sensitive company information in a safe and secure platform. Once your information is uploaded to our platform, we have a risk framework which will enable us to make a quick decision about your suitability for a loan.

We aim to be open and transparent about what charges and fees you will incur up front, and ensure that any legal documentation that you are required to approve or sign is in straight forward language that is easy to read and understand.

Over time, we aim to further streamline our processes and systems to facilitate better integration with your tax agent and/or R&D tax agent as well as whatever accounting platform you prefer to use. Your feedback on our platform is most welcome at any time as well as suggestions for improvements and addition you would like to see/use.

Please note that there are some limitations to our lending product that may not suit every start-up or early-stage company, such as the minimum size of the loan amount that we can currently offer. Over time, we aim to reduce the size of the minimum loan amounts offered to provide the greatest potential use of our product for all companies.