About Kashcade

Australia's top-rated R&D lender

We help Australian startups, scaleups, and other R&D-stage companies access their R&D Tax Incentive refund early so they can keep building without waiting for EOFY or giving up equity.

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Teams
+
250

Aussie companies funded

$
150
M+

Deployed in R&D loans

55
+
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Reviews from founders & CEOs

Our mission

Australia produces world-class innovation, but too many founders struggle to access the capital needed to fund and grow their business. Kashcade exists to fix that. We believe an affordable source of funds should be available to innovative companies, and that they deserve an option allowing them to keep building, without facing endless shareholder dilution.

Kashcade advances the R&D Tax Incentive refund Australian startups are accruing, putting working capital in founders' hands in hours - not months. No equity. No monthly repayments. Just fast, founder-friendly access to money that was always yours.

How Kashcade started

2022

Kashcade launched with a single mission: give Australian companies access to an affordable source of funds

2023

Founders kept asking to borrow against their RDTI refunds. So we evolved our offering to the R&D Loan

2024

Kashcade secured a funding facility for $25M to help a growing number of start-ups access funding

2025

$75M funding facility was secured with Wingate Capital, enabling us to support more companies

Meet the team

Kashcade is built by a team with deep experience in finance, technology, and the Australian startup ecosystem. We've sat on both sides of the table - as operators and as capital providers - and we built Kashcade to be the partner we wished we'd had.

Alex Simmons

Co-Founder & CEO

Alex leads the team. A former CBA lending strategist with deep expertise in capital markets and startup financing, he knows first hand what raising capital takes.

Patrick Nappa

Co-Founder & CTO

Pat looks after all things technology. A Forbes 30 under 30 and former Apple engineer, Pat built the platform that powers Kashcade's operations.

Josh Sanders

Head of Customer

Josh leads customer relationships at Kashcade. A chemical engineer and former R&D tax advisor with deep expertise in R&D incentives, and helps decide who we fund.

Mat Hansen

R&D Credit Partner

Mat assists customers through their application and assesses credit to help decide who Kashcade funds. With Big Four finance experience, he brings serious rigour to every deal.

Raith Fullam

Full Stack Developer

Raith keeps Kashcade's lending platform fast and reliable, building the borrower experience and the tools the team use to assess applications.

Madeleine Mirkovic

Marketing Manager

Maddy leads marketing at Kashcade. She tells Kashcade's story and has spent a decade building brands and leading teams across tech.

Kashcade by the numbers

Companies funded

250+

Supporting innovation across Australia

Average turnaround

24–48 hours

From enquiry to cash in bank

Founded in

2022

Capital deployed

$150M+

Without any equity dilution

Average borrowing amount

$300K

Up to $2.5M borrowing limit

Ready to talk?

Book an intro call with our experts and see how Kashcade can help 
your business access capital fast.

Contact us >