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:

• You operate within Germany, the Netherlands, or the UK.
• You are a growth-focussed SME (B2B or B2C) and technology-led.
• You have predictable revenue streams based on recurring buying behavior.
• You have proven product-market fit.
• You generate at least €250K in annual revenue.
• You can demonstrate at least 6 months of runway.

It depends on your track.

Fast Track (about one week):

• Day 1: Create your account, choose an amount up to €300k, and connect your bank and accounting data.
• Around day 7: We assess your data and come back with a decision.
• After approval: Sign your contracts and request your payout.

Tailored Track (about four weeks):

• Day 1: Create your account, enter your use case and funding amount, connect your bank account, and share your business plan.
• Day 7: After our first review, we build a financial forecast with you and align on your funding plan: how much capital, when, and at what cost.
• Day 10: We share a term sheet outlining your funding plan. Use it for your internal decision-making.
• Day 11: Once signed, due diligence begins. We run a risk analysis of your bank, accounting, revenue, and customer data, plus key metrics.
• Day 22: After due diligence, request your funding on the platform and manage your liquidity from there.

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.