 Claimants who submit incomplete claims can expect longer processing times.Some firms are in need of their SR&ED refund far sooner than the CRA can process their claim, therefore public and private lenders provide financing solutions to claimants.Public lenders tend to shape their financing terms on a firm's short-term and long-term assets, while private lenders will focus primarily on the firm's history with the SR&ED program, as well as the quality and strength of the claim in question.