Your company is owed a tax credit.
We'll get it for you.
If you pay engineers or technical contractors, the CRA will refund up to 35% of that spend as cash. Every year.
Free 15-min call. No commitment.
How much cash back are you leaving on the table?
CAD $200,000
Your estimated annual credit
CAD $125K
refundable cash back per year
Estimate in CAD. Based on 35% enhanced rate for CCPCs with 55% proxy method. Provincial credits vary. Actual credits depend on qualifying activities.
Real credit estimates by team size
Solo founder + 1 engineer
~CAD $170K in R&D salaries
CAD $92K–$110K
Founder + 3 engineers
~CAD $400K in R&D salaries
CAD $217K–$249K
12-person team (engineers + designers)
~CAD $950K in R&D salaries
CAD $515K–$590K
Estimates include salary base with 55% proxy method at the 35% federal enhanced rate for CCPCs. Provincial credits vary.
R&D credits shouldn't cost more than they're worth.
The typical options
Big firms
15–25% fee, long timelines
SR&ED boutiques
20–30% of your credit
DIY
Weeks of CRA documentation work
With Indie Credit
- 10% of your credit. That’s it.
- Fully contingent — no upfront cost.
- Share your data. We handle the rest.
- CRA-ready T661 study in two weeks.
“We were quoted 25% by an SR&ED consultant. That’s $60K on a $240K credit — gone before we even saw it.”
Three steps. Minimal effort on your end.
Free 15-minute call
We’ll confirm you qualify and estimate your credit across federal and provincial programs.
Share your data
Payroll export + project management export (or Git history if you don’t use a project tool). About 10 minutes of your time.
CRA-ready T661 study
We deliver a complete SR&ED study — project narratives, credit calculations, and a review prep guide — ready for your accountant to file.
If you're building technology, you probably qualify.
It's not just for biotech labs. Writing code, building products, solving technical problems — that's qualifying SR&ED.
You qualify if you're:
- Developing new software or features
- Improving an existing product’s performance
- Building APIs or integrations
- Creating algorithms or data pipelines
- Prototyping hardware or embedded systems
Real examples:
- 3-person SaaS team — CAD $95K credit from building a real-time collaboration engine
- Solo founder + 1 engineer — CAD $52K credit from search algorithm R&D
- 12-person company — CAD $380K credit from platform and API development
Not sure? We'll tell you in 15 minutes on a free call.
Worth at least $50,000/yr for most teams
Built by founders, for founders.
We started by claiming R&D credits for our own company in the US. Big firms wouldn't take our call. Our accountant wanted most of the credit as their fee. So we built software to do it better — and now we're bringing the same approach to Canadian SR&ED. Every dollar you've earned should stay yours.
Small teams deserve the same tax benefits as companies with $50K/year tax advisors.
We provide complete, transparent documentation — everything you need to file with confidence.
Your SR&ED credits are waiting.
The 18-month filing deadline is absolute. Miss it and credits are gone forever.
File within 18 months
SR&ED claims must be filed within 18 months of your fiscal year-end. Miss it and the credits are gone forever. The CRA makes no exceptions.
35% refundable cash back
Canadian-controlled private corporations get their SR&ED credits as a direct cash refund from the CRA — not a tax offset. Real money deposited into your account.
Every province stacks
On top of the 35% federal credit, every province adds more: Ontario 8%, BC 10%, Quebec up to 30%. Combined rates can exceed 60% of your R&D salaries.
Pre-revenue? Even better.
CCPCs receive fully refundable credits regardless of profitability. Zero revenue, zero profit — you still get the full cash refund.
Frequently asked questions
What is SR&ED?
SR&ED (Scientific Research & Experimental Development) is Canada’s largest R&D incentive program. It returns up to 35% of qualifying R&D salaries as a refundable cash credit — plus an automatic 55% overhead bonus and provincial credits on top. Most tech companies building software qualify.
I’m not profitable yet. Can I still claim?
Yes — and this is where Canada’s program really shines. Canadian-controlled private corporations (CCPCs) receive their SR&ED credits as a direct cash refund from the CRA, regardless of profitability. No profit needed. The government literally sends you a cheque.
It’s a small team. Is it worth it?
$170K in engineering salaries typically means a $90K–$110K credit depending on your province. That’s real cash back for a short call and a few file uploads.
What do I need to give you?
Two things: (1) Payroll export from your payroll provider. (2) Export from your project tool — Jira, Linear, Asana, etc. — or access to your Git repository if you don’t use a project tool (we’ll analyze your commit history and PRs). Takes about 10 minutes to set up.
What if I don’t use Jira, Linear, or a project management tool?
No problem — we can analyze your Git commit history and pull requests instead. For SR&ED purposes, Git history is strong contemporaneous documentation of your technical work, which is exactly what the CRA looks for. We’ll use your commits, branches, and PRs to build evidence-backed project narratives.
Will this trigger a CRA review?
The CRA reviews 20–25% of SR&ED claims. We build every claim with review-readiness in mind: contemporaneous documentation from your actual engineering tools, evidence-backed project narratives, and a review prep guide for your team.
What do you deliver?
A complete SR&ED study: Form T661 project narratives, credit calculations (federal + provincial), supporting workpapers, and a review prep guide — everything your accountant needs to file.
Why so much cheaper than other SR&ED consultants?
We built software to automate what traditional firms do manually. We analyze your Git history and project data to generate evidence-backed narratives — not reconstructed stories from interviews. Lower overhead, lower fees.
What if my credit is really small?
We’ll tell you on the free call. If it doesn’t make sense, we’ll say so. But even a solo founder with one engineer typically qualifies for $50K+ in Canada.
Can I claim previous years?
Yes, as long as you’re within the 18-month filing window from your fiscal year-end. This deadline is strict — the CRA does not accept late SR&ED claims. We’ll help you figure out what’s still claimable.
What about provincial credits?
Every province offers additional R&D credits that stack on top of the federal 35%. Ontario adds 8%, BC adds 10%, Quebec adds up to 30%. We calculate and include all applicable provincial credits automatically.
What happens if the CRA reviews my claim?
Most reviews result in the claim being accepted as-filed or with minor adjustments — no penalty. We prepare your team with a review guide so your engineers know what to expect. Penalties only apply in cases of deliberate fraud, not honest claims.
Let's find out what you qualify for.
Free 15-minute call. We'll estimate your credit and tell you if it's worth it.
SR&ED claims must be filed within 18 months of your fiscal year-end. Don't miss the deadline.
Prefer email? hello@indie-credit.com
Credit estimates are illustrative. Your actual credit depends on qualifying activities and expenses.