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About re:cap in general.

What does re:cap do?

With re:cap, companies with recurring revenues get access to a modern way of debt financing. It is tailored to the needs of each business, non-dilutive, and without any restrictions. On top, companies can benchmark their financial metrics against their competition. They can find areas in which they are outperforming their peers and are able to identify areas they need to improve.

How can I use re:cap?

re:cap is suited for all growth-focused companies based in Germany or the Netherlands, already generating recurring revenues, for example, software companies. Whether VC-backed or bootstrapped, small or large – our non-dilutive, on-demand financing solution works for you.

Creating an account is free of charge. As part of the onboarding process, you will get information about your current financing limit and financing conditions. Additionally, with re:cap benchmarking we provide you deep insights about your financial KPIs and performance.

In short: there is no reason not to sign up!

How much financing can I get?

You can get up to 60% of your current ARR in upfront capital.

How does it work?

Simply create an account to get access to our funding and benchmarking platform.

On the one hand, you can use re:cap funding as a financing line within which you draw multiple fundings. To do so, we create financing scenarios that help your company get money when it actually needs it – without risking unnecessary capital costs due to overfunding.

On the other hand, you can monitor and steer your financial KPIs with re:cap benchmarking. You get a better overview of your financial health and unit economics, benchmark yourself with your peer group, and receive actionable strategies to improve your metrics.

How does re:cap financing compare with venture capital?

The VC fundraising process takes months and ties up internal resources. It comes with both direct and indirect costs. Direct costs appear for legal and external consultants, which quickly sum up to six-digit figures. Indirect costs arise from less control over your company because at least the major investors require board seats and investor relations management on an ongoing basis. And most importantly, you need to give up some of your equity, the most valuable stake founders have.

In comparison, re:cap is not interested in shares, co-determination, or board seats. re:cap is cost efficient, non-dilutive, quick, and can offer smaller financing ticket sizes (from EUR 10k upwards to millions). Financing is possible within 48 hours and does not require any consultants. However, re:cap financing requires repayment in contrast to equity.

We believe it is essential for companies to build their capital structure on multiple pillars to reduce dependencies and maintain operational control. The current market circumstances make the predictability of follow-up equity funding much harder.

Read our blog article to learn more about re:cap and venture capital.

How does re:cap finding compare with venture debt?

Getting venture debt is often even more complex and costly than raising an equity financing round (see above). Most venture debt funds require a minimum financing amount of EUR 3m. Venture debt funds often ask for warrants with respective dilution, collateralize all available securities, and may also ask for board seats. Furthermore, capital may not be provided in one tranche, future disbursements are connected to the achievement of milestones, and you may be forced to draw additional tranches even though you may no longer need them.

re:cap provides you with a financing limit within days. You can choose how much capital you want with one click and receive the money 48 hours later. We request no warrants, collateral, or board seats and can do ticket sizes from EUR 10k up to millions.

The financing limit grows with your customer base, and you can disburse the capital you need – no overfunding of cash in banks is necessary.

Read our blog article to learn more about re:cap and venture debt.

Are there any personal guarantees or equity warrants?

No, we don’t ask for personal guarantees or equity warrants.

Can you combine re:cap with other forms of funding?

Yes, from re:cap’s side it is possible to combine re:cap with other forms of funding, such as traditional bank loans, venture debt, venture capital, or private equity.


From sign up to getting approved.

How long does it take to sign up? What does it cost?

Creating an account and syncing your data only takes a couple of minutes. After your data is submitted, we need less than 48 hours to approve your company and give access to our funding platform.

Signing up with re:cap is free of charge and there is no obligation to ever take funding.

What data do I need to provide?

To provide the best possible financing terms to you we need access to:

All business banking accounts and other banking platforms (e.g. Paypal)

  • The bank account data allows us to assess and verify the cash flows of your business on an aggregated level.
  • You can securely connect all of your accounts for view-only access. If we don’t support your bank yet, let us know and you can provide the data manually.

Subscription data (customers and revenue streams)

  • The subscription data allows us to identify your contracts as well as your revenues streams and sync them to our funding platform.
  • You can securely connect the subscription management tool of your choice for view-only access (Stripe, Chargebee, Recurly, chargify, zuora, billwerk, etc.). If we do not support your tool, just let us know.
  • If you are using a custom tool, you can upload the data manually in Excel- or CSV-format.

Accounting data

  • The accounting data allows us to assess and verify the financial situation of your business.
  • You can upload the data manually in Excel- or CSV-format.

If you need help providing the data, please contact us any time.

Can I also connect my account with EBICS?

No, EBICS is not a generally accepted standard for open banking. You can provide data for those bank accounts manually.

I don’t work with a subscription management tool, can I nevertheless get funded?

Yes, manual data upload is possible, we provide a very simply structured spreadsheet template. However, we recommend subscription tools, as it keeps efforts lower and processes are faster.

Why does re:cap need the data?

Based on your data, we can verify that re:cap is a fit for your business. Assessing this data will help us to determine the financing terms for your business and sync eligible contracts to the funding platform.

What about data security?

Data security and privacy is of a particularly high priority for re:cap. We have view-only access to your connected data sources, do not process any personal data of your customers and store your data securely in Germany using 256-bit bank-level encryption.


Get the most tailored financing.

When can I receive financing?

re:cap works as a financing line within which you draw as many fundings as your business needs them. The financing limit will be increased based on the growth of your business and the track record on the re:cap platform.

Based on your capital needs and business plan, we can provide you with different funding scenarios that help your company get money when it actually needs it – without risking unnecessary capital costs due to overfunding.

How quickly can I receive financing?

Once approved, the funding will typically arrive in your bank accounts within two business days.

How does re:cap assess group structures?

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.

Cash Insights

Put your cash on autopilot.

How do I upload data manually when there is an unsupported bank?

Certain banks might not support open banking API access. Additionally, especially Europe-based banks, might not provide access to savings accounts.

If this is the case it is still possible to import the data into Cash Insights by following two simple steps:

  1. Select “upload data manually” when adding a new bank account.
  2. Fill in the account details and attach a file containing all transactions.

As soon as you have provided manual data, re:cap will import the transactions into the platform and regenerate the cash insights. This process takes less than 24 hours.

How does re:cap tag the transactions?

We’ve developed proprietary models to classify bank transactions in real-time, generating cash insights from the tagged data.

To ensure the highest quality insights, our internal data operations team reviews the automatic tagging.

How much does Cash Insights cost?

The first 90 days are free and there are no payment details required when starting initially. After the 90-day free trial, Cash Insights costs 39 EUR (plus VAT) per month or 29 EUR (plus VAT) per month when deciding on an annual subscription.

We will send an invoice to you monthly or in case of an annual subscription, you receive the annual invoice upfront.

Both packages include:

  • Unlimited number of users
  • Unlimited number of bank accounts

All prices are net prices.

How much initial historical data can re:cap retrieve per bank account?

Europe: 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.

North America: experience shows that most banks provide >365 days of transaction history.

How often do I get new insights?

New balances and transactions from all bank accounts get fetched daily at midnight (CET time). After fetching new data, Cash Insights get updated.

Is my data secure?

We prioritize the utmost security standards to safeguard our customers' data. We store and process all your financial data in Germany, employing 256-bit bank-level encryption for maximum protection.

Which banks are supported?

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.


Get more out of your business.

How can I compare myself against my competition?

Through industry benchmarks, you can assess your performance against a database of over 1,000 companies within your industry, country, revenue size, and profitability status. This feature provides you with a comprehensive understanding of your status quo among your peers.

Is data accessible in re:cap benchmarking anonymous?

Your data remains completely anonymous. Through re:cap benchmarking, we make data from over 1,000 companies accessible, ensuring that it’s not possible to attribute any data to a specific company.

Is my data secure?

Your data is secure. We prioritize the utmost security standards to safeguard our customers' data. We store and process all your financial data in Germany, employing 256-bit bank-level encryption for maximum protection.

Which data does re:cap benchmarking need?

To use re:cap benchmarking properly you need to connect all your financial data sources, including bank accounts, revenue streams, and accounting systems.

Which financial KPIs can I see in re:cap benchmarking?

Our platform sorts more than 50 financial KPIs into three areas: revenue & customer quality (e.g. net dollar retention), cash flow & capital efficiency (e.g. cash runway), and unit economics & financial health (e.g. CLTV to CAC ratio).

Learn more about relevant SaaS financial metrics.

Who gets access to re:cap benchmarking?

Companies using re:cap financing automatically have access to re:cap Benchmarking.

Reach new heights with re:cap

Get access to our analytics and prediction 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.