You get non-dilutive debt capital that is designed for growing SMEs. You stay in control while operating with funding that enables your business.
You operate within the EU or UK.
You are a growth-focused SME (B2B or B2C).
You have predictable revenue streams based on recurring buying behavior.
You're past the early stage with a proven offer.
You generate a minimum of €250,000 annual revenue.
You can demonstrate at least 6 months of runway.
Get up and running by yourself within minutes
With re:cap you don't just get funding. You also see your cash flow and funding options clearly, so you can plan ahead.
re:cap provides growth capital that adapts to your business, not the other way around. Instead of rigid loan structures, we align funding with how your revenue actually behaves: funding that supports sustainable growth without unnecessary trade-offs.
No personal guarantee
Personal guarantee and collateral required
Flexible; pay only for what you draw
Fixed amount, fixed schedule
Decision in about a week
Weeks to months
Limit grows with your revenue
Re-apply for every increase
Bank + accounting data, no business plan
Extensive paperwork
Didn’t find an answer? Talk to us.
No personal guarantee, a decision in about a week, and it's flexible: with re:cap, you only pay for what you draw, and your limit grows with your revenue. You get up to €300k on the Fast Track. A bank asks for a personal guarantee and collateral, a fixed amount and weeks of paperwork.
No. We fund established, growth-focused businesses with predictable, recurring revenue.
No personal guarantee. Our funding is non-dilutive (no equity, no warrants) and based on your revenue.
Create an account for an instant fundability indication, and get a decision in about a week.
For the Fast Track, we just need your bank and accounting data. No business plan.
Up to €300k on the Fast Track, and your limit grows with your revenue.
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