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 B2B or B2C company from the digital economy and are technology-led.
You have predictable revenue streams based on recurring buying behavior.
You have proven product-market-fit.
You generate a minimum of €250,000 annual revenue.
You can demonstrate at least 6 months of runway.
Up and running in 10 minutes. No further maintenance.
No lengthy onboarding. Add unlimited bank accounts and users.
Getting started takes just a few minutes:
re:cap combines funding with insights to help you plan ahead: you get the capital and tools to manage it.
re:cap doesn't force you to choose between dilution, control, or speed. Instead of rigid loan structures, we align funding with how your business actually behaves.
No equity, ever
Traditional RBF → 1.3-1.5x repayment multiples (30-50% cost), monthly payments based on % of revenue hurt cash flow, rigid terms
Flexible funding plans and payback periods
Venture capital → equity dilution and loss of control
No operational restrictions
Bank loans → rigid repayments and strict requirements, often not attainable for SaaS or Tech Startups
Designed for recurring-revenue businesses
Venture debt → warrants, fixed schedules
Didn’t find an answer? Talk to us.
Traditional RBF charges 1.3-1.5x repayment multiples, meaning you pay back 30-50% more than you borrow. re:cap uses transparent interest rates (12-18%) with more flexibility. On a €500K facility, you could save €70K-€170K vs. typical RBF providers.
No. re:cap is a non-dilutive alternative designed specifically for recurring-revenue businesses, like SaaS companies.
No. re:cap is 100% non-dilutive.
You can see indicative terms within minutes. Funding is significantly faster than traditional debt.
No. Unlike venture debt, re:cap works with tech companies whether or not they have VC backing. We focus on your recurring revenue and business fundamentals.
Alternative financing that adapts to your business,
not the other way around.
.gif){kind=icon}
