What is re:cap?

re:cap arranges debt financing for growth-focused small and mid-sized companies in the EU and the UK, and runs a platform that keeps their financial data current.

re:cap is not the lender. It assesses your financial position, matches it against the criteria of banks, credit funds and alternative lenders, and arranges the facility with whichever provider fits. You borrow from that provider, not from re:cap.

The platform

Capital OS is the name you see inside the app. It has two sides.

Agentic advisory answers the questions. Capital readiness tells you what financing your business could obtain, roughly how much, on what terms, and what is holding the amount back. Financial health tells you how the business itself is doing: what changed, how you compare with your peers, and where the risks sit.

Platform capabilities are what those answers are built on. Financial metrics calculated from your connected data and kept current, peer benchmarks, cash forecasts that update as actuals arrive, and alerts when a number moves in a way that changes what you can raise.

The financing

Four facility types, each against a purpose: growth lending (€250,000 to €5 million), working capital finance (€50,000 to €3 million), acquisition finance (€1 million to €20 million), and refinancing, sized against the facilities it replaces.

re:cap itself never takes equity, warrants, board seats or voting rights. Most facilities are non-dilutive and need no personal guarantee, though some third-party providers use warrants or ask for a guarantee. Where that applies you are told before anything is arranged.

To see how companies have used re:cap, read our case studies.