What is non-dilutive fintech funding in Ireland, and why does it matter for CFOs?
Non-dilutive Fintech funding in Ireland is the combination of R&D tax for fintech and non-dilutive supports such as fintech grants, designed to reduce burn, de-risk delivery, and extend runway without rewriting your cap table. Done well, it turns innovation spend into predictable cash flow and audit-ready governance.
If you want a board-ready funding plan that joins up tax, grants, and investor expectations, speak to FI Group Ireland.
What does “non-dilutive fintech funding” actually include?
Fintech funding typically includes the Irish R&D Corporation Tax Credit, Irish agency grants, and EU programmes, aligned to the technical work that creates defensible capability. For CFOs, the strategic value is choosing the right mix: near-term liquidity from R&D tax, targeted de-risking from grants, and longer-horizon acceleration through collaborative programmes.
Most fintechs draw from three buckets:
- Tax based funding: R&D Corporation Tax Credit (cashflow via instalments, with compliance obligations)
- Irish agency funding: Enterprise Ireland and IDA Ireland supports (innovation, RD&I, collaboration, scaling)
- EU funding: Horizon Europe, Digital Europe, Eurostars, and EIC routes (consortia, higher scrutiny, larger potential awards)