Now live: Capital AI, your financial sparring partner
Non-dilutive funding up to €3M, sized to your revenue. Qualify while you're strong, so capital is in place when you scale.
Secure debt funding that keeps your cash flow healthy and your break-even in sight. At the same time, manage your funds and forecast your financial future to seize growth opportunities along the way.
Extend your runway and stay in control. Hit your milestones, strengthen your numbers, and raise from a position of strength when the time is right.
Finance a major investment without draining your cash. Track whether it pays off with liquidity analysis built into the platform.
We size your line to your business – up to €3m and growing as you scale. If you need more than 3m? Talk to us.
Short or long term, direct repayment or including grace periods. You can hold onto the money as it serves you best.
We don’t want shares, board seats, convertibles, or equity warrants – so you can protect your cap table and keep full ownership.
However you start, you get access to the same re:cap facility. To start you only have to decide: how fast do you want funding and how much do you want to unlock now.
And if you decide to start with €300k, you can still move up to larger amounts when you need to.
Funding up to €300k, a decision in about a week.
Connect your bank accounts and accounting data. Minimal data requirements, minimal hassle. The quickest way into our credit facility with re:cap.
The Fast Track is built for speed. On our platform, you insert your desired funding amount (€50-300k) and duration. Then you connect your bank accounts and accounting data, we assess it, and you get a decision in roughly a week. No business plan to check, no funding plan to align on.
You draw a single tranche, up to €300k. You only pay for what you take.
When you want more than €300k, you upgrade into the Tailored Track. Your data carries over, so nothing you do here is wasted.
Funding up to €3M, with a plan we build with you.
Higher data requirements (bank account, accounting and invoice data, and business plan) but sizeable tranches, plus the advisory to build a long-term funding plan for your business.
The Tailored Track gives access up to €3M, shaped around a funding plan we build together. We model the payout amount of each tranche, plus the interest-only and repayment periods, so the funding matches your cash and business needs.
You get advisory along the way and a personal contact who knows your case. This is the difference from the Fast Track: a plan, a partner, and a heigher ceiling. This process is deeper because the commitment is larger. Plan realistically for four weeks, so don’t start this process when cash is already tight.
Pick your track: Choose the Fast Track for speed and simplicity, or the Tailored Track for larger volumes with more depth.
Create your account, choose an amount up to €300k, and connect just your bank and accounting data.
Create your account, enter your use case and funding amount, and connect your bank account for a first assessment. Share your business plan so we understand how you will use the funds.
We assess your data and come back with a decision.
After our first review, we build a financial forecast with you and align on your funding plan: how much capital, when, and at what cost.
Sign your contracts and request your payout. That’s it.
We share a term sheet outlining your funding plan. Use it for your internal decision-making. We answer questions any time.
Once the term sheet is signed, we run a risk analysis of your business: bank, accounting, revenue, and customer data, plus key metrics.
After due diligence, request your funding on the platform and manage your liquidity from there.
You operate within the EU or UK.
You are growth-focussed SME (B2B or B2C) and technology-led.
You have predictable revenue streams based on recurring buying behavior.
You have proven product-market-fit.
You generate a minimum of €250,000 annual revenue.
You can demonstrate at least 6 months of runway.
The best time to apply is when your numbers are strong, not when cash is tight. The six months runway are a hard cut-off date. Avoid stress, apply early and your line is ready when you need it.
How do other tech companies work with us to reach their goals?
Zero dilution, no warrants, no equity kicker: you keep control today – and a larger share tomorrow.
Didn’t find an answer? Talk to us.
Your funding costs mainly depend on usage. You only pay for what you draw, when you draw it – the credit line is fully flexible.
In addition, costs are influenced by our internal rating system. After connecting your financial data sources, we run a detailed risk analysis and assign a rating from A to F. The most influential factors to determine your costs are ARR size, runway, and revenue growth.
The Fast Track gets you up to €300k in about a week. You connect your bank and accounting data, we assess it, and you draw a single tranche, no business plan, no funding plan. The Tailored Track gives you up to €3M, shaped around a funding plan we build together, with several tranches and a personal contact. It needs more data and about four weeks. Both lead into the same re:cap facility.
Yes. Start with up to €300k on the Fast Track, then upgrade into the Tailored Track when you need more. Your data carries over, so nothing you do in the Fast Track is wasted.
It depends on your track. On the Fast Track, you draw a single tranche up to €300k. On the Tailored Track, you get a credit line tied to a funding plan we build together, so you draw and repay across several pre-determined tranches fitting your business. If your circumstances change, the plan can be adjusted during the term.
We follow a “security-light” approach: only a pledge on receivables. No personal guarantees (like banks) and no equity kickers (like venture debt).
We fund companies that meet these criteria:
It depends on your track.
Fast Track (about one week):
Tailored Track (about four weeks):
Your current cash balance and binding liquidity commitments needs to cover at least 6 times your recent monthly cash burn, calculated on a 3 or 6 months average.
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.
Our data processing agreement which is concluded as integral part of our general Platform Terms of Service, in connection with our effective technical and organizational measures, warrant that our customers‘ data will always be processed in accordance with the stringent European data protection standards.
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