You get a credit line at flexible terms that is designed for fast-growing startups. You stay in control while operating with funding that enables your business. No personal guarantees (like banks) and no equity kickers (like venture debt).
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.
Traditional venture debt requires:
✗ 2-10% equity dilution through warrants
✗ Recent VC backing (usually Series A or later)
✗ 3-6 month approval process
✗ Restrictive financial covenants
✗ Minimum €2M-5M deal sizes
✗ Fixed repayment schedules
re:cap offers:
✓ 0% equity dilution - no warrants, ever
✓ Works with or without VC backing
✓ Funding in 2-6 weeks after connecting data
✓ Flexible terms you can adjust
✓ Deal sizes from €50K to €3M
✓ Plus Capital AI for financial intelligence
No. re:cap is 100% non-dilutive.
You can see indicative terms within minutes. Funding is significantly faster than traditional debt.
No. re:cap works for both bootstrapped and VC-backed companies.
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