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About re:cap in general.
You can get up to 50% of your current ARR in upfront capital. Simply create an account to get access to our funding platform. Once approved, you can either set a target financing volume or trade individual customer subscriptions for an instant payout. With re:cap, you basically convert your monthly or quarterly subscriptions to annual upfront payments – on demand!
re:cap is made for all growing companies with recurring revenue. Whether VC-backed or bootstrapped, small or large – our non-dilutive, on-demand financing solution works for all companies of the subscription economy.
Creating an account is fast, easy, and free of charge. As part of the onboarding process, you will get a rating with benchmarks and insights custom to your business. In short: There is no reason, not to sign up!
Need more information? Learn more about how to use our product here.
No, you don’t need to tell your customers and also don’t need to change your invoicing and payment processes.
No, we don’t ask for personal guarantees or equity warrants.
From sign up to getting approved.
To provide the best possible financing terms to you we need access to:
All business bank and PayPal accounts
Subscription data (customers and revenue streams)
If you need help providing the data, please contact us any time.
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.
Your data never gets shared with anyone outside of re:cap.
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.
After receiving the first funding.
As long as you are within your financing limit, you can access new funds as often as you like. The financing limit will be increased based on the growth of your business and the track record on the re:cap platform.
The funding will typically arrive in your bank accounts within two business days once it gets approved.
Once every month we will withdraw the payback amount from your bank account. The schedule for your paybacks matches the billing cycles of the traded customers – you only pay us when your customer has paid you!
We will notify you upfront about every upcoming payment, if you need to handle churned customers or upload new data to the platform.
If a customer subscription you converted churns, you simply replace it with another active one or rebate the remainder.