Close Menu

The future of
debt funding

We’re launching the future of debt funding with a long-term yet customizable funding solution - backed by HSBC Innovation Banking.

Trusted by over 1,000 founders AND OPERATORS

The most tailored debt funding

Whether it’s a payback horizon over multiple years, customizable grace periods, or long-term usage: our funding adapts to your current business and adjusts if your plans change over time.

Individual funding scenario

Our experts build an individual funding plan based on your business, fitting your company’s needs, which allows you to avoid overfunding with excessive capital costs.

Start with €5m,
increase it over time

Initially, get up to €5m debt funding with the option to expand it as needed and deploy your cash efficiently.

Ideal grace periods

From months to multiple years: Customize your ideal grace period to significantly extend your runway to, for example, break even or raise equity to a more favorable time.

Individual payback horizon

Decide how long you’d like to keep the funding from re:cap in your bank account and which period you’d like to pay it back, from 12 months to several years.

Adjustable funding plan

Because businesses change, we believe that funding should be adaptable. With re:cap, you don’t stick to a scenario that was once valid at some point but changed.

Funding products

Easily adaptable, ready to use

re:cap funding is suitable in different funding scenarios. Put your capital to work immediately, rather than letting it sit in your bank account. Our funding works for you – not the other way around.

Bridging to profitability

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

Postponing equity fundraising

Leverage re:cap funding strategically to create a cash buffer that extends your runway, securing additional months until your next equity round.

Cover large one-time expense

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

Find out how much funding you could get

Receive indicative offer

Requirements to work with re:cap

Subscription business model

Your business generates predictable recurring revenue.

EU-based company

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

Sufficient runway

You have at least six months of  runway when drawing the funding.

How re:cap works

Digital, fast, seamless. Our platform allows you to get started in minutes, receive funding and growth guidance in days not months.

Step 1
Step 2
Step 3
Set up your account and sync your data
Get approved, receive your terms & growth advice
Use financing line

The trailblazers of the new funding norm

How other founders use re:cap funding to reach their goals

Reach new heights with re:cap

Get access to our funding and benchmarking platform and receive your funding offer or talk to one of our experts to find out how re:cap can fund your way to growth.


Didn’t find an answer? Talk to us.

When can I receive financing?

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

Based on your capital needs and business plan, we can provide you with different funding scenarios 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 funding 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 are happy to discuss with you your individual situation.