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Reach new heights with re:cap
Get access to our funding and benchmarking platform and receive your funding offer or talk to one of our experts to find out how re:cap can fund your way to growth.
Get the most tailored debt financing or
master your cash in real-time.
We’re launching the future of debt funding with a long-term yet customizable funding solution - backed by HSBC Innovation Banking.
Whether it’s a payback horizon over multiple years, customizable grace periods, or long-term usage: our funding adapts to your current business and adjusts if your plans change over time.
Our experts build an individual funding plan based on your business, fitting your company’s needs, which allows you to avoid overfunding with excessive capital costs.
Initially, get up to €5m debt funding with the option to expand it as needed and deploy your cash efficiently.
From months to multiple years: Customize your ideal grace period to significantly extend your runway to, for example, break even or raise equity to a more favorable time.
Decide how long you’d like to keep the funding from re:cap in your bank account and which period you’d like to pay it back, from 12 months to several years.
Because businesses change, we believe that funding should be adaptable. With re:cap, you don’t stick to a scenario that was once valid at some point but changed.
re:cap funding is suitable in different funding scenarios. Put your capital to work immediately, rather than letting it sit in your bank account. Our funding works for you – not the other way around.
Build a bridge to profitability: With re:cap funding you can improve your cash flow towards your way to break-even.
Leverage re:cap funding strategically to create a cash buffer that extends your runway, securing additional months until your next equity round.
Events, new hardware, or finance M&A? Use re:cap funding to finance larger one-time expenses, allowing you to preserve cash balance and financial stability.
Subscription business model
Your business generates predictable recurring revenue.
EU-based company
Your legal entities are at least partly located in the EU.
Sufficient runway
You have at least six months of runway when drawing the funding.
Digital, fast, seamless. Our platform allows you to get started in minutes, receive funding and growth guidance in days not months.
How other founders use re:cap funding to reach their goals
Get access to our funding and benchmarking platform and receive your funding offer or talk to one of our experts to find out how re:cap can fund your way to growth.
Didn’t find an answer? Talk to us.
You get a flexible, non-dilutive credit line of up to £3M, sized to your financial performance and your forecast. There are two ways into the same re:cap facility, both built for growth-focused SMEs.
On the Fast Track, you apply for up to £300k. We assess your bank and accounting data and approve it or not, usually within about a week. No business plan, no funding plan, a single drawdown.
On the Tailored Track, you get up to £3M, built around a funding plan we create together. It matches financing to your capital needs, your business model, the specific use case, and your growth goals, with possibly several tranches and a personal contact. The Tailored Track needs more data and usually multiple weeks.
Once your funding is approved, you draw against it as agreed. Every drawdown, repayment, and adjustment happens in one place, 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 £3M.
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:
This depends on which track you chose: the Fast Track or Tailored Track. Both tracks run on the same re:cap platform. What differs is the amount, the data needed, and the speed: Fast Track up to £300k in about a week, Tailored Track up to £3M in about four weeks.
1. Create an account and connect your data
Create an account, enter your funding need and use case, and securely connect your bank accounts. This lets us analyse your liquidity. For the Fast Track, your bank and accounting data is enough. For the Tailored Track, we also take a look at your customer and invoice data as well as business plan, so we understand your goals and how you'll use the funding.
2. Funding plan or direct confirmation (only Tailored Track)
On the Tailored Track, we schedule a meeting after the first review of your data and build your funding plan together, with a personal contact: how much capital you need, when it has to be available, and the costs involved. On the Fast Track, this step falls away. We assess your data and confirm your amount directly, with no business plan and no funding plan.
3. Sign the term sheet (only Tailored Track)
You receive a term sheet with your terms. You can use the term sheet for your internal decision-making. We're here for any questions along the way.
4. Due diligence begins (only Tailored Track)
Once the term sheet is signed, we start due diligence. We analyse risks and review your banking, accounting, revenue, and customer data, along with key business metrics. +
5. Request your payout
After successful due diligence, for the Tailored Track, or after our automatic analysis of your business, for the Fast Track, you request your funding via the re:cap platform. On the Fast Track you draw a single tranche. On the Tailored Track it's the first of possibly several tranches across the term of your credit line.
re:cap provides flexible repayment terms, ranging from 1 month up to 5 years, including grace periods.
It depends on your track. For the Fast Track, we need your bank and accounting data. For the Tailored Track, revenue and customer data come on top, plus a look at your business plan. In both cases, view-only access is enough, which you connect securely through the platform. That's how we offer you the best possible funding terms.
For both tracks
All business bank accounts and payment service providers
Accounting data
Additionally for the Tailored Track
Revenue and customer data
Business plan
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 £3M. 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 £3M.
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.
