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A revolving credit facility, assessed on your revenue rather than on a forecast. You draw what you need and pay interest on the drawn balance. No personal guarantees, no equity, no warrants.
See in 30 seconds if you should start the process with re:cap.
Incorporated in the EU or the UK.
Growth-focused SME, B2B or B2C.
Predictable and stable month to month.
Established and trading, from early growth to mature.
At least €250,000 annual revenue.
Profitable, or at least six months of cash left.
Start with your website address.
No lengthy onboarding. Add unlimited bank accounts and users.
Getting started takes just a few minutes:
You also get capital readiness and financial health: what you could raise today, what is capping it, and what your cash looks like over the coming months. Every number comes with what it does to your options.
Alternative financing that doesn't force you to choose between dilution, control, or speed. Instead of rigid loan structures, we align funding with how your business actually behaves.
No equity, ever
Venture capital → equity dilution and loss of control
Flexible funding plans and payback periods
Bank loans → rigid repayments and strict requirements, often not attainable for SaaS or Tech Startups
No operational restrictions
Venture debt → warrants, fixed schedules
Designed for recurring-revenue businesses
Revenue-based financing → 1.3-1.5x repayment multiples drain cash flow, rigid % of revenue payments, short payback periods
Didn’t find an answer? Talk to us.
re:cap offers flexible credit lines sized to what your business can carry. Unlike revenue-based financing, we don't take a percentage of revenue. Unlike venture debt, we don't require warrants or equity. Unlike bank loans, we're fast and flexible. Start with capital readiness to see what's in range.
re:cap's pricing is transparent and competitive. Unlike revenue-based financing (which charges 1.3-1.5x multiples, costing 30-50%), our interest-based model typically costs 12-16% over the financing period. On a €500K facility, you could save €100K+ vs. traditional RBF while getting more flexibility and financial intelligence that RBF providers don't offer.
No. re:cap offers a flexible credit line that is a non-dilutive alternative designed specifically for recurring-revenue businesses, like SaaS companies.
No. re:cap is 100% non-dilutive.
You can see indicative terms within minutes. Funding is significantly faster than traditional debt.
No. Unlike venture debt, re:cap works with growth companies whether or not they have VC backing. We focus on your recurring revenue and business fundamentals.
See in minutes whether you're financeable, from which capital source and how much you could get – or what you need to change to get there.
