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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.
re:cap doesn't force you to choose between dilution, control, or speed. Instead of rigid loan structures, we align funding with how your business actually behaves.
No equity, ever
Traditional RBF for SaaS → 1.3-1.5x repayment multiples drain MRR, rigid revenue % payments, typically only 6-12 month payback
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.
Most SaaS financing forces tough tradeoffs: expensive RBF (1.3-1.5x multiples that can cost you €150K+ on €500K), restrictive venture debt (requires VC backing + warrants), or dilutive equity (20-30% ownership loss). re:cap combines AI-powered SaaS financial intelligence with flexible, non-dilutive funding, at lower cost than RBF and without the restrictions of venture debt.
We connect to your billing platform (Stripe, Chargebee, etc.) and analyze SaaSfundamentals: MRR growth, churn, CAC payback, LTV:CAC ratio, and burn multiple. We understand subscription economics—unlike traditional lenders who just look at balance sheets.
No. re:cap is 100% non-dilutive.
You can see indicative terms within minutes. Funding is significantly faster than traditional debt.
No. Unlike venture debt, re:cap works with tech 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.
