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We secured a €125M credit facility and are now live in the UK!
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With the Capital OS, you access a flexible credit line tailored to your business. Backed by analysis and forecasts, it adapts to your needs – for more capital efficiency.
It’s not about how much funding we can offer, but what actually makes sense for you. The Capital OS helps you design a capital structure that fits your company, not overfunded or leveraged.
Secure debt funding that keeps your cash flow healthy and your break-even in sight. At the same time, manage your funds and forecast your financial future to seize growth opportunities along the way.
Use re:cap to stay in control: extend your runway to postpone equity fundraising. Then, track metrics, hit milestones, and strengthen your position. When it's time to fundraise, you're in charge.
Need to finance a major investment? Use re:cap to manage one-time expenses, preserving your cash flow and financial stability. At the same time track if your investment pays off with our liquidity analysis.
We back companies for the long run, matching capital to their business needs at every stage.
Our funding is scalable. You can adjust the amount over time.
We offer flexible terms: short- or long-term, direct repayment or grace periods. You can hold onto the money as it serves you best.
Interest is your only capital cost. No shares, guarantees, convertibles, or equity warrants – protect your cap table and keep ownership.
You operate within Germany, the Netherlands, Spain, Austria, 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.
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.
Yes. It’s a flexible credit line tied to a pre-defined funding plan to provide long term comfort around future payouts. If you’re eligible for funding the plan can be adjusted during the term, so you can draw and repay as needed.
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:
Create your account, enter your use case and funding amount, and securely connect your bank account for a liquidity assessment. Besides, share your business plan so we can understand your needs and how you'll use the funds.
After our first review, we’ll schedule a meeting and align on a funding plan together. It shows how much capital you need, when it should be available, and the cost of capital.
We share a term sheet with you outlining your desired funding plan. You can use the term sheet for your internal decision-making. We are here to answer questions any time.
Once the term sheet is signed, the due diligence starts. We’re doing a risk analysis of your business, reviewing bank, accounting, revenue and customer data, and key business metrics (e.g., ARR, industry).
After successful due diligence, you can request your funding via the re:cap platform.
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.
No dilution, no extras, no board seats – just funding that helps you grow while keeping a bigger slice of the pie.
Didn’t find an answer? Talk to us.
You get a flexible credit line, up to £5M, based on your financial performance and your forecast. We create a funding plan based on your capital needs, business plan, use case, and business goals. If circumstances change, the plan can be adjusted. This approach ensures companies get funding when necessary, avoiding unnecessary costs from overfunding.
Once approved, you can draw what you need, when you need it. No board approvals. No dilution. The money lands fast, and you stay in control.
Every draw, repayment, and plan update happens in the same place: inside the Capital OS. So you always know how much capital you have, what it costs, and how it supports your growth.
There are multiple use cases companies use debt funding from re:cap for:
Check out our case studies to see how CEOs and CFOs use re:cap.
Between £50,000 and £5M.
Your interest rate and cost of capital depends on your rating on the platform.
Customers have received funding from us in as little as two weeks. The timeline depends on how quickly you complete the funding process, which hinges on providing the necessary financial and business data promptly.
Once the funding process is done and your funding approved by us, the funds will typically arrive in your bank accounts within two business days.
re:cap is relevant for companies with the following criteria:
1. Account creation and data upload
Create your account, enter your use case and funding amount, and securely connect your bank account for a liquidity assessment. Besides, share your business plan so we can understand your needs and how you'll use the funds.
2. Alignment on the funding plan
After our first review, we’ll schedule a meeting and align on a funding plan together. It shows how much capital you need, when it should be available, and the cost of capital.
3. Sign the term sheet
We share a term sheet with you outlining your desired funding plan. You can use the term sheet for your internal decision-making. We are here to answer questions any time.
4. Due diligence begins
Once the term sheet is signed, the due diligence starts. We’re doing a risk analysis of your business, reviewing bank, accounting, revenue and customer data, and key business metrics (e.g., ARR, industry).
5. Start payout
After successful due diligence, you can request your funding via the re:cap platform – the first payout happens within 2 business days.
re:cap provides flexible repayment terms, ranging from 1 month up to 5 years, including grace periods.
To use re:cap the best possible way you need to connect the following data sources:
We need the data to assess your funding terms. Based on your data, we can verify that re:cap is a fit for your business. Assessing this data will help us with our risk analysis. We can determine the terms for your company.
We need the data to assess your funding terms. Based on your data, we can verify that re:cap is a fit for your business. Assessing this data will help us with our risk analysis. We can determine the terms for your company.
No, EBICS is not a generally accepted standard for open banking. You can provide data for those bank accounts manually.
Yes, manual data upload is possible. We provide a spreadsheet template you can use.
However, we recommend subscription tools, as it keeps efforts lower and processes are faster.
No, we don’t ask for personal guarantees or equity warrants. Our funding is 100% non-dilutive. You stay in control.
The VC fundraising process is slow, tying up your team for months. It comes with hefty direct costs for legal fees and consultants, often reaching six figures. Indirectly, it means losing control, as major investors demand board seats and require ongoing investor relations. Most critically, you give up equity – one of the most valuable assets of a founder.
re:cap offers a different path. We don’t ask for shares, board seats, or a say in your company. We provide fast, non-dilutive funding with ticket sizes starting at £50K up to £5M. However, unlike equity, re:cap requires repayment.
Read our blog article to learn more about re:cap and venture capital.
Most venture debt funds require companies to raise at least £3M. They often ask for warrants, leading to dilution, secure all available assets as collateral, and may demand board seats. On top of that, capital is rarely disbursed in full upfront. Future tranches depend on hitting milestones, and you might be forced to take more funding even if you no longer need it.
re:cap offers a simpler solution. Within days, we provide you with a flexible funding limit. You decide how much capital you need with a single click – no warrants, no collateral, no board seats. We handle ticket sizes starting from £50K and going up to £5M.
Read our blog article to learn more about re:cap and venture debt.
Yes, from our end it's possible to combine re:cap with other forms of funding, such as bank loans, venture debt, venture capital, or private equity.
We can finance companies being part of a group structure. However, we must be sure that they are the actual contracting partner. In some cases a letter from the company could be necessary. We are happy to discuss with you your individual situation.
re:cap provides long-term financing spanning multiple years, perfectly tailored to meet your needs now and in the future.
re:cap provides long-term funding spanning multiple years, perfectly tailored to meet your needs now and in the future.
Get the funding amount your business needs, and adjust it every month.
Decide how long you want to keep your cash, including tailored grace periods.
Stay in control: build your ideal funding while keeping full ownership of your business.
Adjust your funding to match your business plans, now and down the road.
How our customers reach their ambitions with re:cap.
One platform – all the tools you need to manage and optimize your financials. Stay in control and know when to secure additional funding.
Get a quick overview of all your bank accounts, balances, and transactions – live, in one place, across your entire company, or broken down by individual entities.
Get instant access to key financial metrics and deliver real-time insights for your management, team, and investors. This way, you are always up to speed and can answer any finance-related questions.
Skip messy spreadsheets: forecast liquidity with real-time bank data and run scenarios based on trends and your assumptions. Evaluate the financial impact of key decisions, from hiring to major expenses.
Our platform allows you to get started in minutes, and receive funding and insights in days not months.
Get access to re:cap and make financing decisions with confidence. Create an account or talk to our experts about your funding.
You operate within the EU or UK.
You are a B2B or B2C company from the innovation 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 have a runway of at least 6 months, with your business either nearing break-even or already profitable.
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