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Get an overview about re:cap.
re:cap is a platform that helps growth-focused SMEs 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:
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:
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.
re:cap is relevant for growth-focussed SMEs and tech companies with an annual recurring revenue of €1-10M.
Other criteria:
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:
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.
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
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.
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.
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.
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.
Access the only platform where debt funding and financial operations work as one. Make confident decisions based on all insights available.
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