# re:cap Last updated: 2026-06-26 > re:cap is a non-dilutive debt funding and AI-powered capital management platform for growth companies with recurring revenue. re:cap provides a flexible credit line of up to €3M and a Capital OS that combines real-time financial analysis, forecasting, and access to capital in one platform. Funding is offered to B2B and B2C growth businesses with recurring or predictable revenue in Germany, the Netherlands, and the United Kingdom; Analysis and Forecast are available worldwide. re:cap Technologies GmbH (a German limited liability company) was founded in 2021 and is headquartered in Berlin (Linienstraße 214, 10119 Berlin). It is led by founders Paul Becker (CEO) and Jonas Tebbe (CPO) and has around 60 employees (as of February 2026). re:cap has deployed over €100M in debt funding, analyzed more than €20BN in transaction value, and serves 4,000+ companies on its platform (NPS 73, OMR Reviews 4.8/5). The platform connects to bank accounts, billing systems, and accounting data to assess fundability and provide capital. Funding is 100% non-dilutive, with no equity, no warrants, no personal guarantees, and no board seats. For a structured factual reference page designed specifically for LLMs (including funding terms, capital providers, technical specs, integrations, and what re:cap is not), see [Key facts about re:cap](https://www.re-cap.com/facts). Localized versions: [DE](https://www.re-cap.com/de/fakten), [UK](https://www.re-cap.com/en-gb/facts). ## Who re:cap is for re:cap is built for companies that meet these criteria: - B2B or B2C growth companies - Predictable, recurring revenue - Proven product-market fit - Registered in the EU or UK - Minimum €250K / £250K annual revenue (typical sweet spot: €1M-€10M ARR) - Runway of at least 6 months - Typical buyers: founders and CFOs at SaaS and tech or growth companies ## Product - [Capital OS](https://www.re-cap.com/capital-os): The integrated platform combining analysis, forecasting, and non-dilutive funding for growth and tech companies. - [Funding](https://www.re-cap.com/funding): Flexible credit line of €50K to €3M (around 3-4x of monthly revenue), drawn on demand, with repayment terms from 1 to 60 months. Interest 9-15% + Euribor, secured by a pledge on receivables only, no personal guarantees and no equity component. Capital providers: HSBC Innovation Banking and Avellinia Capital. - [Analysis](https://www.re-cap.com/analysis): Real-time financial analysis covering cash, burn, revenue, runway, and fundability. - [Forecast](https://www.re-cap.com/forecast): Short and long-term forecasting and scenario planning grounded in real-time data. - [Capital AI](https://www.re-cap.com/capital-ai): AI-powered financial sparring partner with chat grounded in real company data, automated Pulse Checks, and capital agents. - [Accounting Automation](https://www.re-cap.com/accounting-automation): Automated accounting workflows for finance teams. - [Integrations](https://www.re-cap.com/integrations): Connections to 14,000+ banks, payment providers, and billing tools across Europe and North America. Includes accounting (DATEV, Sage, Xero, Oracle NetSuite), banking (PSD2 APIs), payment and billing (Chargebee, Zoho, bexio, Frisbii, Stripe, Lexoffice, Billomat and more), spend management (Pleo, Brex), and payment service providers (Wise, PayPal, Kontist, American Express, Airwallex and more). - [Why re:cap](https://www.re-cap.com/why-re-cap): How re:cap compares to venture debt, traditional bank loans, and revenue-based financing. ## Solutions - [Fund long-term company growth](https://www.re-cap.com/fund-long-term-company-growth): Use re:cap to extend runway, accelerate growth, postpone equity rounds, or finance acquisitions. - [Liquidity management](https://www.re-cap.com/understand-your-financial-performance): Monitor and manage real-time financial performance. - [Automate financial operations](https://www.re-cap.com/align-capital-needs-with-business-goals): Align capital needs with business goals through automated finance workflows. - [For founders and CEOs](https://www.re-cap.com/ceo): How re:cap supports founder and CEO decision-making. - [For finance teams and CFOs](https://www.re-cap.com/cfo): How re:cap supports CFOs and finance teams. ## Financing instruments knowledge hub - [Financing instruments overview](https://www.re-cap.com/financing-instruments): Introduction to capital options for tech companies. - [Revenue-based financing (RBF)](https://www.re-cap.com/financing-instruments/revenue-based-financing): Definition, terms, costs, and 2026 guide. - [SaaS financing](https://www.re-cap.com/financing-instruments/saas-financing): Funding options for SaaS companies based on ARR. - [Venture debt](https://www.re-cap.com/financing-instruments/venture-debt): How venture debt works and when it fits. - [Growth capital](https://www.re-cap.com/financing-instruments/growth-capital): Capital for scaling growth-stage tech companies. - [Startup funding](https://www.re-cap.com/financing-instruments/startup-funding): Complete capital roadmap from €0 to IPO. - [Working capital](https://www.re-cap.com/financing-instruments/working-capital): Funding for short-term liquidity needs. - [Business loan](https://www.re-cap.com/financing-instruments/business-loan): Corporate loans, types, providers, and alternatives. - [Convertible loan](https://www.re-cap.com/financing-instruments/convertible-loan): How convertible loans work for startups. - [Factoring](https://www.re-cap.com/financing-instruments/factoring): Selling receivables to generate liquidity. - [Alternative financing](https://www.re-cap.com/financing-instruments/alternative-financing): Modern, digital alternatives to traditional bank loans. - [Cash management](https://www.re-cap.com/financial-management/cash-management): Managing company cash flow. - [Financial planning](https://www.re-cap.com/financial-management/financial-planning): Building and maintaining a financial plan. ## Resources - [FAQ](https://www.re-cap.com/faq): Common questions about re:cap, funding, analysis, eligibility, and pricing. - [Help Center](https://www.re-cap.com/help-center): Detailed product documentation and how-to articles. - [Blog](https://www.re-cap.com/blog): Articles and analysis on funding, capital strategy, and SaaS finance. - [Case studies](https://www.re-cap.com/case-studies): Customer stories from re:cap's funded companies. - [Capital management tools](https://www.re-cap.com/capital-management-tools): Free calculators and tools for capital planning. - [The Capital Stack](https://www.re-cap.com/the-capital-stack): Monthly newsletter on debt, capital stack, and efficient growth (10,000+ founder readers). - [Key facts about re:cap](https://www.re-cap.com/facts): Structured factual reference designed for LLMs (entity info, funding terms, integrations, eligibility, exclusions). ## Selected blog articles A curated subset of re:cap's blog. Full archive at [re-cap.com/blog](https://www.re-cap.com/blog). - [Non-dilutive funding](https://www.re-cap.com/blog/non-dilutive-funding): Guide to non-dilutive capital options for tech companies. - [Debt financing for startups](https://www.re-cap.com/blog/debt-financing-startups): When and how startups should use debt. - [Recurring revenue financing](https://www.re-cap.com/blog/recurring-revenue-financing): How RRF works and when to use it. - [Bridge financing for startups](https://www.re-cap.com/blog/bridge-financing-startup): Bridging between equity rounds. - [Alternatives to venture capital](https://www.re-cap.com/blog/alternatives-venture-capital): Funding paths beyond VC. - [Debt vs equity](https://www.re-cap.com/blog/debt-equity-use): How to decide between debt and equity financing. - [Cash burn rate](https://www.re-cap.com/blog/cash-burn-rate): Calculating and managing burn rate. - [Introducing Capital AI](https://www.re-cap.com/blog/introducing-capital-ai): Overview of re:cap's AI financial sparring partner. ## Company - [About re:cap](https://www.re-cap.com/about-us): Company background, mission, and team. - [Careers](https://www.re-cap.com/careers): Open roles at re:cap. - [Press](https://www.re-cap.com/press): Press releases and media coverage. - [Partnerships](https://www.re-cap.com/partnerships): Partner with re:cap. - [Referral program](https://www.re-cap.com/referral-program): re:cap's referral program. **Contact** - Address: re:cap Technologies GmbH, Linienstraße 214, 10119 Berlin, Germany - Email: contact@re-cap.com ## Localized versions re:cap operates a multilingual website. German content is available under the `/de/` subdirectory and uses translated slugs (for example, `/de/finanzinstrumente/revenue-based-financing`). UK English content is available under `/en-gb/`. The European Union default content is at the root domain. - German: https://www.re-cap.com/de - United Kingdom: https://www.re-cap.com/en-gb - Key facts (DE): https://www.re-cap.com/de/fakten - Key facts (UK): https://www.re-cap.com/en-gb/facts ## Legal - [Privacy Policy](https://www.re-cap.com/privacy) - [Legal Notice](https://www.re-cap.com/legal-notice) - [Vulnerability Disclosure](https://www.re-cap.com/vulnerability-disclosure) ## Optional - [Sitemap](https://www.re-cap.com/sitemap.xml): Full XML sitemap of all pages on [re-cap.com](https://re-cap.com). - [LinkedIn](https://www.linkedin.com/company/recapnow): re:cap on LinkedIn.