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Easly

Listed
Fintech lending platform for working capital loansToronto, OntarioServes Canadian businesses; availability varies by program and province
BBLL 000076Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Easly finances accrued refundable tax credits, including SR&ED, so businesses can access capital before receiving a government refund. The financing remains repayable if a claim fails.

Fintech lending platform. Funds business loans through its own platform or a partner bank.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Working capital loans
From the lender's own site and public records.

A second look at Easly

Easly finances accrued refundable tax credits, including SR&ED, so businesses can access capital before receiving a government refund. The financing remains repayable if a claim fails.

Direct tax-credit financing provider. The site identifies ESFC Funding Co., LLC; confirm the specific creditor in your agreement. Its FAQ calls the advances loans.

Published by Levr, not by Easly. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Easly Advances — SR&ED financing

Amount
C$50,000–C$25 million advertised, subject to assessment and available accrued credits.
Eligible claims
FAQ invites companies expecting annual SR&ED refunds of at least C$135,000; first-time filers are accepted, subject to underwriting.
Advance basis
Up to 75% of accrued SR&ED credits for the relevant period; further draws depend on updated financials and eligible spending.
Repayment
Paid when government funding is received. Audit-related extensions are considered individually.
Security
No personal guarantee. Priority lien is required on proceeds of the financed program under PPSA or equivalent regional legislation.
Early payment
No additional prepayment penalty beyond a minimum three-month interest period.
Claim denial
Borrower still owes obligations in the term sheet if the claim is denied.
Pricing
No universal numerical interest rate or complete fee schedule was established; request a written quote.

Provider sources: FAQ: underwriting, security and repayment · How advances work · SR&ED financing

Other investment-tax-credit financing

Availability
FAQ mentions selected other credits such as interactive digital media tax credits. Program eligibility and amount require individual confirmation.
Distinction
Eligibility to claim a tax credit does not automatically mean eligibility for Easly financing.

Provider sources: Official FAQ

When it may fit

Our assessment of the published programs

  • Potential fit for Canadian R&D businesses with accrued refundable credits and a cash-flow gap before receipt.

What to weigh carefully

  • Financing is debt, not a grant; no personal guarantee does not remove the company’s repayment liability.
  • Confirm existing secured creditors can provide the required priority on refund proceeds.
  • Do not use lender educational pages as current tax-law advice; refund eligibility and tax-credit rules need separate verification.

Questions before you accept an offer

  1. What accrued credits are accepted, and how is the borrowing base calculated?
  2. What interest and fees accrue if the refund is delayed?
  3. What is owed if CRA reduces or denies the claim?
  4. What security priority and agreements with existing lenders are required?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Venbridge

Compare Venbridge for SR&ED advances, including claim minimums, first-filer rules and minimum interest.

BDC

Compare BDC financing if repayment can rely on business cash flow rather than a tax refund.

The lender

Type
Fintech lending platform
Legal name
Not yet provided Add it
Founded
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Charter
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Headquarters
Toronto, Ontario
Service area
Serves Canadian businesses; availability varies by program and province
Meets in person
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Languages
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Program approvals
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Also lends to consumers
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Website
fundeasly.com
LinkedIn
Company page

Loan officers at this lender

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