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Take control of
your funding

With re:cap you get your optimal funding amounts, payback plan, and usage – all tailored to your business. So you avoid overfunding, as every cent comes with costs that have an impact on your cash balance.

Funding products

The most tailored debt funding

Secure funding that matches your current business needs and adjusts if things change. This way you can put your capital to work immediately, rather than letting it sit in your bank account. re:cap funding works for you – not the other way around.

Bridging to profitability

Build a bridge to profitability: With re:cap funding you can improve your cash flow towards your way to break-even.

Postponing equity fundraising

Leverage re:cap funding strategically to create a cash buffer that extends your runway, securing additional months until your next equity round.

Cover large one-time expense

Events, new hardware, or finance M&A? Use re:cap funding to finance larger one-time expenses, allowing you to preserve cash balance and financial stability.

Your funding sweet spot

Tailor-made for you and non-dilutive

No dilution, no warrants, no personal guarantees – but adjusted to your needs: build your ideal funding scenario tailored to your business while you keep full ownership.

Raise up to €5m and increase it over time

Start by securing up to €5m debt funding, with the option to expand it as needed and deploy your cash efficiently to meet your business goals.

Your individual payback period

Up to 5 years: you decide how long you want to keep your funding in your bank and which time period you’d like to use to pay it back.

Your ideal grace periods

From months to multiple years: Customize your grace period to significantly extend your runway to, for example, break even or raise equity to a more favorable time.

re:cap is suitable for


Companies providing digital software applications on a subscription basis.

Recurring revenue businesses

Companies generating consistent revenues by offering products that customers subscribe to or use on an ongoing basis.

Service businesses

Companies that offer knowledge, skills, or expertise to clients, often in areas such as consulting, advertising, legal, accounting, or other service businesses fields.

Calculate funding terms

Find out how much funding you could get

Receive indicative offer

Requirements to work with re:cap

Subscription business model

SaaS or recurring revenue: your business generates predictable recurring revenue.

EU-based company

Your legal entities are at least partly located in the EU.

Sufficient runway

You have at least six months of runway, are profitable or close to break-even when drawing the funding.

How re:cap works

Our platform allows you to get started in minutes, receive funding and growth guidance in days not months.

Step 1
Step 2
Step 3
Set up your account and sync your data
Get approved, receive your terms & growth advice
Use financing line

The trailblazers of the new funding norm

How other founders use re:cap funding to reach their goals

Reach new heights with re:cap

Get access to our funding and benchmarking 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.


Didn’t find an answer? Talk to us.

When can I receive funding?

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 funding?

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.