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A revolving credit facility, assessed on your revenue rather than on a forecast. You draw what you need and pay interest on the drawn balance. No personal guarantees, no equity, no warrants.
See in 30 seconds if you should start the process with re:cap.
Incorporated in the EU or the UK.
Growth-focused SME, B2B or B2C.
Predictable and stable month to month.
Established and trading, from early growth to mature.
At least €250,000 annual revenue.
Profitable, or at least six months of cash left.
Start with your website address.
You also get capital readiness and financial health: what you could raise today, what is capping it, and what your cash looks like over the coming months. Every number comes with what it does to your options.
Most growing SMEs do not clear a bank's requirements, or not fast enough. Here is where the two differ.
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 on the Fast Track, a decision in about a week, and it's flexible: with re:cap, you only pay for what you draw, your limit grows with your revenue, and you get up to €300k. A bank typically 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 on the Fast Track. re:cap takes no equity and no warrants, and the facility is sized on your revenue.
Start with your website address for an instant indication, no account needed. A decision follows 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.
See in minutes whether you're financeable, from which capital source and how much you could get – or what you need to change to get there.
