In the U.K. you can trade in your R&D tax credit for cash. Protip: Instead of living off savings it may be beneficial to lend money to your startup in order to

In the U.K. you can trade in your R&D tax credit for cash. Protip: Instead of living off savings it may be beneficial to lend money to your startup in order to pay you so the wage can count towards an R&D credit. But make sure to see an accountant to make sure the numbers work in your particular case.