FAQs

re:cap is a platform that helps tech companies manage, plan, and fund their growth more efficiently. It brings together real-time financial analysis, forecasting, and access to non-dilutive funding into one integrated system called the Capital OS. By connecting data from bank accounts, invoices, budgets, and business plans, re:cap enables companies to understand their financial performance, model short- and long-term capital needs that align with business goals, and make better funding decisions.

The Capital OS is a system to help companies manage capital more efficiently and on their terms. It follows a simple cycle:

1. Start with analysis: Get a full view of your financial situation – cash, burn, revenue, obligations, and how your company performs over time.
2. Build a forecast: Based on this data, plan forward or with the funds available: short-term liquidity, long-term funding needs, and different business scenarios.
3. Use funding when needed: If there’s a gap between your plan and your available cash, the Capital OS helps you close it with a flexible credit line – non-dilutive and tailored to your needs.

Once funding is in place, the cycle repeats. You update the data, adjust the plan, and stay prepared for what’s next. It’s a tool for ongoing financial decisions, not a one-time fix.

re:cap’s Capital OS gives companies one platform to analyze financial performance, forecast funding needs, and access tailored, non-dilutive capital. It answers three simple questions:

1. Where do we stand? re:cap shows your current financial performance (e.g., cash, burn, revenue, liabilities, runway) clearly and in one place based on your real-time financial data.
2. What will we need? You can build weekly and monthly forecasts based on real data. You can align capital needs with business goals – whether with the funds already available or to evaluate how much capital you might need in the future to reach goals.
3. How can we fund it? If you need funding, re:cap offers a flexible credit line. You decide when to draw and how much to use. If not, you keep full oversight anyway.

If you want to learn more about how re:cap is used by companies, check out our case studies.

With re:cap, institutional investors (equity/debt) can turn financial data into insights about their portfolio companies. Based on these insights, they can make smarter financing decisions and enhance portfolio monitoring.

• You are CEO or CFO.
• You are a B2B company from the digital economy and are technology-led.
• You have predictable revenue streams based on recurring buying behavior.
• You operate within the EU or UK.
• You have a runway of at least 6 months, with your business either nearing break-even or already profitable.
• You generate a minimum of €250K annual revenue.
• You have proven product-market-fit.

You’ll find the prices on our pricing page.

We prioritize the highest security standards to safeguard our customers' data. Our platform is developed and hosted in Germany, where all financial and business data from our customers is stored and processed. And we use a 256-bit bank-level encryption for maximum protection.

You get a flexible credit line, up to €5M, based on your financial performance and your forecast. We create a funding plan based on your capital needs, business plan, use case, and business goals. If circumstances change, the plan can be adjusted. This approach ensures companies get funding when necessary, avoiding unnecessary costs from overfunding.

Once approved, you can draw what you need, when you need it. No board approvals. No dilution. The money lands fast, and you stay in control.

Every draw, repayment, and plan update happens in the same place: inside 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:

Fund and reach long-term company goals

• Extend your runway and bridge to profitability
  • Build a cash buffer to extend your runway, giving you more time to reach break-even.
• Accelerate your growth
  • Fund growth initiatives and deploy your capital effectively.
• Postpone equity fundraising for more favorable terms
  • Reach milestones and secure better terms for your equity round.
• Fund large investments
  • Finance M&A or other large investments with financial flexibility to seize the transaction.

Bridge gaps

• Handle volatile cash flow
  • Make sure you have always enough cash at hand to cover your everyday needs.
• Cover long payment targets
  • Don’t let bridge obligations, up-front payments, or long payment terms jeopardize your cash flow.
• Unlock predictable growth
  • Get the funding you need to avoid losing revenue from secured customers and won projects.
• Cover large one-time expenses
  • Finance major expenses like machinery or events and preserve your cash balance.

Check out our case studies to see how CEOs and CFOs use re:cap.

Between €50,000 and €5M.

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:

• You operate within the EU or UK.
• You are a B2B company from the digital economy and are technology-led.
• You have predictable revenue streams based on recurring buying behavior.
• You have proven product-market-fit.
• You generate a minimum of €250K annual revenue.
• You have a runway of at least 6 months, with your business either nearing break-even or already profitable.
  

1. Account creation and data upload

Create your account, enter your use case and funding amount, and securely connect your bank account for a liquidity assessment. Besides, share your business plan so we can understand your needs and how you'll use the funds.

2. Alignment on the funding plan

After our first review, we’ll schedule a meeting and align on a funding plan together. It shows how much capital you need, when it should be available, and the cost of capital.

3. Sign the term sheet

We share a term sheet with you outlining your desired funding plan. You can use the term sheet for your internal decision-making. We are here to answer questions any time.

4. Due diligence begins

Once the term sheet is signed, the due diligence starts. We’re doing a risk analysis of your business, reviewing bank, accounting, revenue and customer data, and key business metrics (e.g., ARR, industry).

5. Start payout

After successful due diligence, you can request your funding via the re:cap platform – the first payout happens within 2 business days.

To use re:cap the best possible way you need to connect the following data sources:

Bank accounts and other payment providers

• 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.

Revenue and customer data

• 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.

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.

re:cap provides flexible repayment terms, ranging from 1 month up to 5 years, including grace periods.

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

No, we don’t ask for personal guarantees or equity warrants. Our funding is 100% non-dilutive. You stay in control.

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.

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.

A

• Airwallex
• American Express (AmEx) – select UK as country
• Alpha FX – select UK as country

B

• Barclaycard Commercial Payments – select UK as country
• Brex – select US & CA as country

C

• ConnectPay – select LT as country
• Connexis Cash – select DE as country

E

• Ebury – select BE, DE, GB, GR, FR, PL, IT, PT, ES or NL as country

F

• Fire – select IR as country

K

• Kontist – select DE as country

M

• Manager One – select FR as country

N

• Neteller

O

• Opyn  – select IT as country

P

• PayPal
• Paysera
• Pleo  – select DK, UK, DE, SE, ES or IE as country

S

• Skrill
• Soldo  – select IE as country
• Stripe

W

• Wise

EU

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.

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