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.
Get the most tailored debt financing or
master your cash in real-time.
We’re launching the future of debt funding with a long-term yet customizable funding solution - backed by HSBC Innovation Banking.
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.
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.
Initially, get up to €5m debt funding with the option to expand it as needed and deploy your cash efficiently.
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.
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.
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.
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.
Build a bridge to profitability: With re:cap funding you can improve your cash flow towards your way to break-even.
Leverage re:cap funding strategically to create a cash buffer that extends your runway, securing additional months until your next equity round.
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.
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.
Digital, fast, seamless. Our platform allows you to get started in minutes, receive funding and growth guidance in days not months.
How other founders use re:cap funding to reach their goals
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.
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:
Check out our case studies to see how CEOs and CFOs use re:cap.
Between €50,000 and €5M.
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:
1. Account creation and data upload
Create your account, enter your use case and funding amount, and securely connect your bank account for a liquidity assessment. Besides, share your business plan so we can understand your needs and how you'll use the funds.
2. Alignment on the funding plan
After our first review, we’ll schedule a meeting and align on a funding plan together. It shows how much capital you need, when it should be available, and the cost of capital.
3. Sign the term sheet
We share a term sheet with you outlining your desired funding plan. You can use the term sheet for your internal decision-making. We are here to answer questions any time.
4. Due diligence begins
Once the term sheet is signed, the due diligence starts. We’re doing a risk analysis of your business, reviewing bank, accounting, revenue and customer data, and key business metrics (e.g., ARR, industry).
5. Start payout
After successful due diligence, you can request your funding via the re:cap platform – the first payout happens within 2 business days.
re:cap provides flexible repayment terms, ranging from 1 month up to 5 years, including grace periods.
To use re:cap the best possible way you need to connect the following data sources:
We need the data to assess your funding terms. Based on your data, we can verify that re:cap is a fit for your business. Assessing this data will help us with our risk analysis. We can determine the terms for your company.
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.
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.