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There are two ways to financing with re:cap: the fast track and the tailored track. The smaller the amount, the faster it goes.
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
Didn’t find an answer? Talk to us.
re:cap arranges flexible credit lines sized to what your business can carry. Unlike revenue-based financing, there is no percentage of revenue taken. Unlike venture debt, re:cap takes no warrants or equity of its own. Unlike a bank loan, it is fast and flexible. Start with capital readiness to see what's in range.
Revenue-based financing charges a repayment multiple, typically 1.3 to 1.5x, so you pay back 30 to 50% more than you borrow however quickly you repay. The facilities re:cap arranges charge interest on the balance you actually draw, so repaying early costs you less. There is no single re:cap rate: facilities come from different capital providers and are priced per company, on the provider, the term, the security and your financial profile. You get an indicative figure early in the process.
No. re:cap arranges conventional debt facilities, including flexible credit lines, from banks, credit funds and alternative lenders. Venture debt is usually sized against your last equity round and often carries warrants. re:cap sizes against the business itself and takes no equity of its own.
No. re:cap never takes equity, warrants or board seats. Most of the facilities we arrange are non-dilutive, though some capital providers do work with warrants or equity kickers.
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.
