re:cap helps companies grow better with funding and financial insights tailored to their business needs.
re:cap helps companies grow better with funding and financial insights tailored to their business needs.
Short- or long-term, €10k or €25m, straight repayment or grace period: your funding should match your business. Get the money that aligns with your needs and goals
With re:cap you can improve your cash flow towards your way to break even and seize growth opportunities along the way.
Leverage re:cap strategically to create a cash buffer that extends your runway, securing additional time to reach milestones.
M&A? Use re:cap to finance larger one-time expenses, allowing you to preserve cash balance and financial stability.
With re:cap’s Insights platform, you take control of your cash in real-time, plan liquidity and monitor key financial metrics – all on a single platform. Gain actionable insights into cash flow, accounting, revenue, and benchmarks.
Access key metrics, bank accounts, and balances in a single, easy-to-read dashboard. Track cash inflows and outflows, so you’re always on top of your finances.
Extract key figures for reports that address finance-related questions and provide actionable insights for your management, team, and investors.
Create accurate liquidity plans using historical and real-time data. Adjust parameters manually to evaluate the financial impact of key events, such as hiring or revenue drops.
Get access to re:cap and make financing decisions with confidence. Create an account or talk to our experts about your funding.
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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.
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Analysis is the first step of the Capital OS. It gives you a real-time view of your financial health (cash, burn, runway, efficiency) and shows how your business is performing today.
It connects the dots: from bank accounts to budgets, from transactions to trends. You get one dashboard to see what’s driving your numbers, spot risks early, and understand how fundable you are.
It’s the base for everything that follows: planning, forecasting, funding. You can’t steer your company without knowing where you stand.
We cover more than 14,000+ banks from Europe and North America.
In Europe, we work with GoCardless to cover 2,500+ banks. The detailed coverage can be found in this overview.
For North American banks, we work with Plaid to cover 12,000+ banks. The detailed coverage can be found in this overview.
Let us know if a bank you need support for is not supported.
Besides offering access to classical bank accounts, we also offer access to a range of payment platforms, digital wallets and credit cards.
To set up the integration, please use the "Add EU or UK bank account option" and follow the instructions.
By open banking regulation, a minimum of 90 days of transaction history is required, but experience shows that most banks supply >180 days of transaction history.
Experience shows that most banks provide >365 days of transaction history.
New balances and transactions from all bank accounts get fetched daily at midnight (CET time). After fetching new data, the Insights get updated.
