What does the process look like?

re:cap gives you a non-dilutive credit facility.

How you get funded depends on the amount you need:

Fast Track: up to £300K, in about a week. A lighter review for smaller tickets.
Tailored Track: up to £3M, in about four weeks. A full review with a funding plan built around your capital needs, business plan, use case, and goals.

If circumstances change, your plan can be adjusted. You get funding when you need it, without paying for capital you don't.

1. Account creation and data upload

Create your re:cap account, enter your use case and funding amount, and securely connect your bank accounts for the liquidity assessment as well as accounting data. For the tailored track: Also connect your customer and invoice data and upload a business plan. Based on your amount, we place you on the Fast Track or the Tailored Track.

2. Alignment on the funding plan - Tailored Track only

After our first review, we’ll schedule a meeting with you and align on a funding plan together. The funding plan shows the amount of capital you ideally need, when it should be available, and your cost of capital.

3. Sign the term sheet - Tailored Track only

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 - Tailored Track only

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).