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Invest in your business while keeping your cash at hand

Optimize your cash flow proactively. With re:cap, you make the investments you need today and pay when it works best for you. It’s like ‘buy now, pay later’ for all your expenses, on your own terms.

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Draw supplier discounts

Get better discounts from suppliers such as SaaS and service providers by paying them upfront. Split up these payments with re:cap at a lower rate to keep the spread and cash at hand.

Split up payments

Stop worrying about large one-off expenses for IT equipment, furniture, legal advice, events, and others. Instead, use re:cap to flexibly split up those payments over several months.

Stay opportunistic

Focus on your opportunities instead of financial limitations. Make big investments and secure a strong cash balance – at the same time.

Discover insights

Benchmark your expenses, discounts, and payment terms against the averages to identify areas for improvement.

Why should you optimize your cash flow with re:cap?

Depending on your situation, re:cap works as a substitute or addition to other financing options – with clear advantages in both cases. Start diversifying your capital stack now.
Fixed costs
Additional costs
Time to money
Reporting requirements
Venture Debt
8% – 15% p.a.
May be divided in cash and Payment-in-Kind (PIK) interest rates
>€100k – open end
Counting in legal fees, closing fee, maturity fee, equity warrant or equity kicker, etc.
3+ months
€1m – €50m
Often divided into tranches, where each tranche is tied to the achievement of milestones
Due to equity warrants or equity kicker
Financial covenants & securities
For example pledges on receivables, patents, intellectual property and/or bank accounts
Monthly reporting
Depending on the respective exposure, providers may also ask for board seats
2% – 15% on each financing
48 hours
Up to 60% of ARR
Automated through platform
Get started
Venture Capital
5% – 25% equity
>€100k – €900k
Legal, notary and potentially advisor fees
3+ months
€1m – €50m+
Personal guarantees & commitments
Monthly reporting, board seats
More control

Don’t be controlled by your cash flow but control your cash flow.

Faster access

You want to grow fast. Get access to  capital in minutes, not months.

Less dilution

Preserve your ownership stake and stay in control of your company.

Full transparency

Know your cost of capital. With re:cap, there is just one simple fee.

What other founders achieved with re:cap

While validating funding options to accelerate our growth we came across re:cap’s financing line and quickly realized it’s exactly what we needed: full flexibility and full control at attractive conditions. The process was transparent and fast (days, not months) which allowed us to focus on our core business.
Artur Hasselbach
CFO at Talentsconnect
For us as a company with recurring revenues from offering both hardware and software-as-a-service, re:cap's financing option is a great tool for cash flow management. In addition to that, the financing process was quick and uncomplicated.

Frederik Merz

CBDO & Co-Founder at

In the first instance, we used the flexible liquidity buffer gained through re:cap to finance long-term marketing and sales activities that we would not have been able to tackle until later without re:cap. We are pleased to be able to continue using re:cap for flexible growth, for example to expand our sales team.

Dirk Brockmeyer

Executive Partner at Tabtool

re:cap has enabled us to get access to funding in an incredibly fast and transparent process. Also, I really like the business insights dashboard which helps us to understand and improve our funding terms. I would recommend every founder to look into re:cap as a financing partner.

Tobias Hagenau

CEO & Co-Founder at awork

With re:cap, we were able to get non-dilutive funding at an early stage which is great for every startup founder. The whole process was simple and fast, and we look forward to a long-term partnership in building Meisterwerk.

Bertram Wildenauer

CEO & Co-Founder at Meisterwerk


Didn’t find an answer? Talk to us.

How does it work?

Ideally, you are already a re:cap customer - if not, you can on-board here for free. Once the underwriting is approved and you know your financing limit, you can choose the amount you want to receive to cover upcoming or recent bulky spendings. You will receive the money within 48 hours and the repayment starts approximately 4 weeks after the disbursement with fixed payments typically over 6-12 months or longer if required.

What advantages do I have?

re:cap enables companies to spread bigger cash-outflows over several months or even years. Depending on which case applies, you can also take advantage of early payment discounts the vendor may offer. As you’re growing your team, further investments in IT equipment and office equipment may be necessary. Save your precious liquidity and use re:cap instead.

How often can I use it?

There is no limitation. Once you’ve gone through the underwriting process we’ll provide you the financing limit and financing fee which are reassessed by us on a monthly basis. If your business is growing, the financing limit is growing with you. The amount available can be seen on the platform and may be used as often as you like.

Can I extend the financing period to optimize the cash flow even further?

Yes, as long as you are within your financing limit you can offset upcoming repayments with additional financing transactions and thus keep your cash flow in control. We are happy to explain the details incl. cash flow simulation analysis individually for your company.

Are shorter repayment periods possible?

Currently, repayment periods are set at 12 months for all customers. If required, we can shorten the repayment period to 3, 6 or 9 months. We’re planning to introduce more flexible repayment periods in the nearer future as well.

Is re:cap right for my company? Why should I sign up?

re:cap is made for all growing companies based in Germany or Netherlands who are already generating recurring revenue. Whether VC-backed or bootstrapped, small or large – our non-dilutive, on-demand financing solution works for you.

Creating an account is fast, easy, and free of charge. As part of the onboarding process, you will get information about your current financing limit and financing conditions. Additionally, we provide you with KPIs and additional insights for free. In short: there is no reason not to sign up!

Need more information? Please visit our general FAQ section here or contact us!

Start as early as possible

Say goodbye to poor cash flow and begin to flexibly finance your expenses – act now and use re:cap to make big investments while keeping cash at hand.

How re:cap works

Digital, fast, seamless. Our platform allows you to get started in minutes, receive funding and growth advice 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