Now live: Capital AI, your financial sparring partner
Growth, an acquisition, working capital: each one points to a different kind of debt. We tell you which of them your business can actually get, and what it would cost.
Money to grow faster than your own cash flow allows: hiring, marketing, new markets, capacity.
Useful when you already know what you would spend it on, and what it should return. The alternative is the same investment, made later, once the business has earned it.
Money against value you have already created but cannot yet spend: invoices issued and not paid, stock bought and not sold.
Useful when the business is healthy and the cash is simply in the wrong place. You borrow against something that already exists rather than against a forecast.
Borrowing to fund part of the price when you buy another business. How it is structured depends on what you are buying and why.
Where the target generates cash of its own, that cash can service part of the debt, so the question becomes how much of the price the target can carry rather than how much you can fund yourself.
You already have a facility. It is maturing, or it was priced when your numbers looked different, or there are several of them and you would rather run one.
Whether it can be replaced at all is a real question if the numbers have moved the wrong way. Whether the business now supports better terms is the more interesting one, and worth knowing before you go back to the lender you already have.
A growth facility maturing in nine months
A working capital facility priced before your margins improved
An acquisition facility from a deal that has since paid off
Several facilities you would rather run as one
Start with your website. You'll see which debt facility fits and how much you could get.
Didn’t find an answer? Talk to us.
Your funding costs mainly depend on usage. You only pay for what you draw, when you draw it – the credit line is fully flexible.
In addition, costs are influenced by our internal rating system. After connecting your financial data sources, we run a detailed risk analysis and assign a rating from A to F. The most influential factors to determine your costs are ARR size, runway, and revenue growth.
The Fast Track gets you up to €300k in about a week. You connect your bank and accounting data, we assess it, and you draw a single tranche, no business plan, no funding plan. The Tailored Track gives you up to €3M, shaped around a funding plan we build together, with several tranches and a personal contact. It needs more data and about four weeks. Both lead into the same re:cap facility.
Yes. Start with up to €300k on the Fast Track, then upgrade into the Tailored Track when you need more. Your data carries over, so nothing you do in the Fast Track is wasted.
It depends on your track. On the Fast Track, you draw a single tranche up to €300k. On the Tailored Track, you get a credit line tied to a funding plan we build together, so you draw and repay across several pre-determined tranches fitting your business. If your circumstances change, the plan can be adjusted during the term.
We follow a “security-light” approach: only a pledge on receivables. No personal guarantees (like banks) and no equity kickers (like venture debt).
We fund companies that meet these criteria:
It depends on your track.
Fast Track (about one week):
Tailored Track (about four weeks):
Your current cash balance and binding liquidity commitments needs to cover at least 6 times your recent monthly cash burn, calculated on a 3 or 6 months average.
We prioritize the highest security standards to safeguard our customers' data. Our platform is developed and hosted in Germany, where all financial and business data from our customers is stored and processed. And we use a 256-bit bank-level encryption for maximum protection.
Our data processing agreement which is concluded as integral part of our general Platform Terms of Service, in connection with our effective technical and organizational measures, warrant that our customers‘ data will always be processed in accordance with the stringent European data protection standards.
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