You get a flexible credit line, up to €5M, based on your financial performance and your forecast. We create a funding plan based on your capital needs, business plan, use case, and business goals. If circumstances change, the plan can be adjusted. This approach ensures companies get funding when necessary, avoiding unnecessary costs from overfunding.

Once approved, you can draw what you need, when you need it. No board approvals. No dilution. The money lands fast, and you stay in control.

Every draw, repayment, and plan update happens in the same place: inside the Capital OS. So you always know how much capital you have, what it costs, and how it supports your growth.

There are multiple use cases companies use debt funding from re:cap for:

Fund and reach long-term company goals

• Extend your runway and bridge to profitability
  • Build a cash buffer to extend your runway, giving you more time to reach break-even.
• Accelerate your growth
  • Fund growth initiatives and deploy your capital effectively.
• Postpone equity fundraising for more favorable terms
  • Reach milestones and secure better terms for your equity round.
• Fund large investments
  • Finance M&A or other large investments with financial flexibility to seize the transaction.

Bridge gaps

• Handle volatile cash flow
  • Make sure you have always enough cash at hand to cover your everyday needs.
• Cover long payment targets
  • Don’t let bridge obligations, up-front payments, or long payment terms jeopardize your cash flow.
• Unlock predictable growth
  • Get the funding you need to avoid losing revenue from secured customers and won projects.
• Cover large one-time expenses
  • Finance major expenses like machinery or events and preserve your cash balance.

Check out our case studies to see how CEOs and CFOs use re:cap.

Between €50,000 and €3M.

Your interest rate and cost of capital depends on your rating on the platform.

Customers have received funding from us in as little as two weeks. The timeline depends on how quickly you complete the funding process, which hinges on providing the necessary financial and business data promptly.

Once the funding process is done and your funding approved by us, the funds will typically arrive in your bank accounts within two business days.

re:cap is relevant for companies with the following criteria:

• You operate within the EU or UK.
• You are a B2B company from the digital economy and are technology-led.
• You have predictable revenue streams based on recurring buying behavior.
• You have proven product-market-fit.
• You generate a minimum of €250K annual revenue.
• You have a runway of at least 6 months, with your business either nearing break-even or already profitable.
  

This depends on which track you chose: the Fast Track or Tailored Track. Both tracks run on the same re:cap platform. What differs is the amount, the data needed, and the speed: Fast Track up to €300k in about a week, Tailored Track up to €3M in about four weeks.

1. Create an account and connect your data
Create an account, enter your funding need and use case, and securely connect your bank accounts. This lets us analyse your liquidity. For the Fast Track, your bank and accounting data is enough. For the Tailored Track, we also take a look at your customer and invoice data as well as business plan, so we understand your goals and how you'll use the funding.

2. Funding plan or direct confirmation (only Tailored Track)
On the Tailored Track, we schedule a meeting after the first review of your data and build your funding plan together, with a personal contact: how much capital you need, when it has to be available, and the costs involved. On the Fast Track, this step falls away. We assess your data and confirm your amount directly, with no business plan and no funding plan.

3. Sign the term sheet (only Tailored Track)
You receive a term sheet with your terms. You can use the term sheet for your internal decision-making. We're here for any questions along the way.

4. Due diligence begins (only Tailored Track)
Once the term sheet is signed, we start due diligence. We analyse risks and review your banking, accounting, revenue, and customer data, along with key business metrics. +

5. Request your payout
After successful due diligence, for the Tailored Track, or after our automatic analysis of your business, for the Fast Track, you request your funding via the re:cap platform. On the Fast Track you draw a single tranche. On the Tailored Track it's the first of possibly several tranches across the term of your credit line.

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

It depends on your track. For the Fast Track, we need your bank and accounting data. For the Tailored Track, revenue and customer data come on top, plus a look at your business plan. In both cases, view-only access is enough, which you connect securely through the platform. That's how we offer you the best possible funding terms.

For both tracks

All business bank accounts and payment service providers

• We use your bank account data to analyse and review your company's cash flows at an aggregated level.
• You connect all accounts securely with the platform and give us view-only access. If we don't support your bank yet, let us know and you can provide the data manually.

Accounting data

• We use your accounting data to analyse and verify your company's financial situation.
• You can upload the data manually in Excel or CSV format.

Additionally for the Tailored Track

Revenue and customer data

• We use your customer data to identify your contracts and revenue streams and sync them with the platform.
• You connect your subscription management tool securely via view-only access (Stripe, Chargebee, Recurly, Chargify, Zuora, billwerk, etc.). If we don't support your tool, get in touch.
• If you use your own solution, you can upload the data manually in Excel or CSV format.

Business plan

• We use your business plan to understand your goals and how you'll use the funding, and to build your funding plan together with you.

No, EBICS is not a generally accepted standard for open banking. You can provide data for those bank accounts manually.

No, we don’t ask for personal guarantees or equity warrants. Our funding is 100% non-dilutive. You stay in control.

The VC fundraising process is slow, tying up your team for months. It comes with hefty direct costs for legal fees and consultants, often reaching six figures. Indirectly, it means losing control, as major investors demand board seats and require ongoing investor relations. Most critically, you give up equity – one of the most valuable assets of a founder.

re:cap offers a different path. We don’t ask for shares, board seats, or a say in your company. We provide fast, non-dilutive funding with ticket sizes starting at €50K up to €3M. However, unlike equity, re:cap requires repayment.

Read our blog article to learn more about re:cap and venture capital.

Most venture debt funds require companies to raise at least €3M. They often ask for warrants, leading to dilution, secure all available assets as collateral, and may demand board seats. On top of that, capital is rarely disbursed in full upfront. Future tranches depend on hitting milestones, and you might be forced to take more funding even if you no longer need it.

re:cap offers a simpler solution. Within days, we provide you with a flexible funding limit. You decide how much capital you need with a single click – no warrants, no collateral, no board seats. We handle ticket sizes starting from €50K and going up to €3M.

Read our blog article to learn more about re:cap and venture debt.

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.