You get a credit line at flexible terms that is designed for fast-growing startups. You stay in control while operating with funding that enables your business. No personal guarantees (like banks) and no equity kickers (like venture debt).
You operate within the EU or UK.
You are a B2B or B2C company from the digital economy and are technology-led.
You have predictable revenue streams based on recurring buying behavior.
You have proven product-market-fit.
You generate a minimum of £250,000 annual revenue.
You can demonstrate at least 6 months of runway.
Up and running in 10 minutes. No further maintenance.
No lengthy onboarding. Add unlimited bank accounts and users.
Getting started takes just a few minutes:
re:cap combines funding with insights to help you plan ahead: you get the capital and tools to manage it.
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
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re:cap offers credit lines from €250K to €5M. 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.
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 tech companies whether or not they have VC backing. We focus on your recurring revenue and business fundamentals.
Alternative financing that adapts to your business,
not the other way around.
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