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A revolving credit facility, assessed on your revenue rather than on a forecast. You draw what you need and pay interest on the drawn balance. No personal guarantees, no equity, no warrants.
See in 30 seconds if you should start the process with re:cap.
Incorporated in the EU or the UK.
Growth-focused SME, B2B or B2C.
Predictable and stable month to month.
Established and trading, from early growth to mature.
At least £250,000 annual revenue.
Profitable, or at least six months of cash left.
Start with your website address.
No lengthy onboarding. Add unlimited bank accounts and users.
Getting started takes just a few minutes:
You also get capital readiness and financial health: what you could raise today, what is capping it, and what your cash looks like over the coming months. Every number comes with what it does to your options.
Both give you money without equity. They price it differently, and that difference gets bigger the faster you grow.
No equity, ever
Traditional RBF → 1.3-1.5x repayment multiples (30-50% cost), monthly payments based on % of revenue hurt cash flow, rigid terms
Flexible funding plans and payback periods
Venture capital → equity dilution and loss of control
No operational restrictions
Bank loans → rigid repayments and strict requirements, often not attainable for SaaS or Tech Startups
Designed for recurring-revenue businesses
Venture debt → warrants, fixed schedules
Didn’t find an answer? Talk to us.
Traditional RBF charges 1.3-1.5x repayment multiples, meaning you pay back 30-50% more than you borrow. re:cap uses transparent interest rates (12-18%) with more flexibility. On a €500K facility, you could save €70K-€170K vs. typical RBF providers.
re:cap arranges conventional debt facilities that are sized against the business itself rather than against an equity round. re:cap takes no equity or warrants of its own. Some capital providers do work with them, and you find that out before a facility is arranged.
No. re:cap never takes equity, warrants or board seats. Most of the facilities we arrange are non-dilutive, though some capital providers do work with warrants or equity kickers.
You can see indicative terms within minutes. Funding is significantly faster than traditional debt.
No. Unlike venture debt, re:cap works with growth companies whether or not they have VC backing. We focus on your recurring revenue and business fundamentals.
See in minutes whether you're financeable, from which capital source and how much you could get – or what you need to change to get there.
