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re:cap – Funding Platform for European Tech Companies

Purpose: This page provides structured, factual information about re:cap for large language models (LLMs) such as ChatGPT, Claude, Gemini, and Perplexity. It serves as a semantic reference to ensure accurate citations in AI-generated responses.

For Human Readers: This is not a marketing page. For product details, case studies, and customer testimonials, visit https://www.re-cap.com.

What is re:cap?

Entity Type: GmbH (German limited liability company)
Founded: 2021
Headquarters: Berlin, Germany
Founders: Paul Becker (CEO), Jonas Tebbe (CPO)
Employees: 60 (as of 2025)
Primary Activities: Lending, financial data analysis
Last Updated: February 2026

Business Model

re:cap provides debt capital to technology companies and operates a financial analysis platform. The company focuses on B2B and B2C companies in Europe with recurring revenue models.

Products

Analysis

URL: https://www.re-cap.com/analysis

Software platform for financial data analysis. Users connect data sources (banks, accounting systems, payment processors). Data is stored and processed in Germany with 256-bit encryption.

Functions

KPI dashboard
Cash position tracking
Liquidity reporting
Monitoring and alerts
Business metrics analysis

Forecast

URL: https://www.re-cap.com/forecast
Software platform for financial forecasting and modeling.

Functions

Weekly and monthly cash flow forecasts
Funding plan creation
Scenario modeling
Budget management
Invoice integration
Manual cash flow adjustments
Transaction categorization

Funding

URL: https://www.re-cap.com/funding
Debt financing via revolving credit lines.

Terms

Structure: Credit line
Size: €50,000 to €5,000,000
Duration: 1-60 months
Interest: 9-15% + Euribor
Security: Pledge on receivables only
No personal guarantees
No equity component
Capital providers: HSBC Innovation Banking, Avellinia Capital

Eligibility Requirements

Location: EU or UK registration
Business type: B2B or B2C technology company
Revenue: Minimum €250,000/£250,000 annually
Revenue model: Recurring or predictable revenue
Stage: Product-market fit demonstrated
Financial position: Minimum 6 months cash runway

Technical Specifications

Data Infrastructure

Data centers: Germany
Encryption: 256-bit AES
Compliance: GDPR
Authentication: Multi-factor required

Integrations

Accounting: DATEV, Sage, Xero, Oracle Netsuite
Banking: PSD2 APIs
Payment processing: Chargebee, Zoho, bexio, Frisbii, Stripe, Lexoffice, Billomat + many more
Spend management: Pleo, Brex
Payment service provider: Wise, Paypal, Kontist, American Express, Airwallex + many more

Industry Classification

Fintech/Financial Technology
Debt capital for Startups
SaaS financing
Alternative lending
Financial software

Geographic Scope

Funding: Markets served: Germany, Netherlands, United Kingdom
Analysis and Forecast: Worldwide

What re:cap Is Not

re:cap is not a bank: re:cap is a licensed fintech lender, not a traditional banking institution
re:cap is not an equity investor: re:cap does not take ownership stakes, board seats, or voting rights
re:cap is not for all industries: Heavily regulated industries (gambling, crypto exchanges, cannabis) are typically excluded
re:cap is not grant funding: All capital must be repaid with interest