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that lasts

re:cap provides long-term financing spanning multiple years, perfectly tailored to meet your needs now and in the future.

Financing that lasts

re:cap provides long-term financing spanning multiple years, perfectly tailored to meet your needs now and in the future.

Trusted by over 1,000 businesses

Secure financing that matches your business plan and adjusts if things change. With re:cap, you’ll always have enough cash in your bank account to cover your needs down the road.

Bridging to profitability

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

Postponing equity fundraising

Leverage re:cap strategically to create a cash buffer that extends your runway, securing additional time to reach milestones.

Cover large one-time expense

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

Your funding sweet spot

€500k to €5m

Get the financing amount your business needs, and adjust it every month.

Up to 5 years repayment time

Decide how long you want to keep your cash, including tailored grace periods.

100% non-dilutive

Stay in control: build your ideal financing while keeping full ownership of your business.


Adjust your financing to match your business plans, now and down the road.


Making tailored financing part of your success

How our customers reach their ambitions with re:cap.

How Meisterwerk extended their runway with re:cap to postpone its next equity round

How optilyz paved the way for long-term growth and internationalization with re:cap
How exporto used re:cap to boost its internationalization

Your financial pulse check

Beyond financing your business, with benchmarking, you unlock insights to improve your financial performance. All based on your data. Compared to your peers.

Dashboard & Ratings

Get a first assessment of where your business stands and dive deeper to find hidden opportunities to improve your financial performance.

Industry benchmarks

Benchmark your performance against thousands of industry peers and evaluate what steps you have to take to become the market leader.


Access 50+ daily-calculated business metrics relevant to your industry for insights into your historical performance and future growth.

Requirements to work with re:cap

Tech or service businesses

Your business generates predictable, recurring revenue.

EU-based company

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

Sufficient runway

You need at least six months of runway, be profitable or close to break-even.

How re:cap works

Our platform allows you to get started in minutes, and receive financing and insights in days not months.

We prioritize the utmost security standards to safeguard our customers' data. We store and process all your financial data in Germany, employing 256-bit bank-level encryption for maximum protection.

Take care of all things financing

Get access to re:cap and make financing decisions with confidence. Create an account or talk to our experts about your financing.


Didn’t find an answer? Talk to us.

How much financing can I get?

re:cap offers flexible financing ranging from €10,000 to €5 million.

What is the repayment time?

re:cap provides flexible repayment terms, ranging from 1 month up to 5 years and including grace periods.

For which businesses is financing from re:cap relevant for?

re:cap is relevant for

  • Tech and recurring revenue businesses that provide software applications on a subscription basis and generate consistent revenue. 
  • Service businesses that offer knowledge and expertise to clients, often in areas such as consulting, agencies, logistics, or HR and recruiting.
How does financing from re:cap work?

re:cap works as a financing line within which you can draw as many fundings as your business needs them. The financing limit will be increased based on the growth of your business and your track record on the re:cap platform.

Based on your capital needs and business plan, we provide you with different funding plans that help your company get money when it actually needs it – without risking unnecessary capital costs due to overfunding.

How quickly can I receive financing?

Once approved, the financing amount 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're happy to discuss your specific situation.