Funding made for SaaS companies

Access up to €5M in non-dilutive growth capital. Built for companies with recurring revenue that want to scale without giving up control.

No commitment. No equity.

Our funding offer

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).

Ticket size

Get funding from €50K to €5M. You can adjust the amount over time.

The most flexible terms

We offer terms from 1 to 60 months: short- or long-term, direct repayment or grace periods. You can hold onto the money as it serves you best.

No equity dilution

Our funding is truly non-dilutive: We don’t want shares, board seats, or convertibles. You can protect your cap table and keep full ownership.

No hidden costs

We are 100% transparent. You'll know exactly how much you pay over the full term before signing anything.

Founder mindset

We're operators who understand the reality of building a company. When things get tough, you need a financing partner who gets it. We evaluate your business the way founders think about it.

We don't just fund – we understand

Founders tell us the diligence process itself pushed them forward. We truly grasp your cash flows, unit economics, and growth levers. You don't just get capital – you get sharper on your own business.

SaaS metrics-based underwriting

We evaluate MRR, churn, CAC, LTV

MRR-aligned funding

Capital scales with your recurring revenue

Capital AI for SaaS

Optimize burn multiple, runway, and unit economics

Calculate your funding terms

Are we a match?

Jurisdiction

You operate within the EU or UK.

Business model

You are a B2B or B2C company from the digital economy and are technology-led.

Revenue model

You have predictable revenue streams based on recurring buying behavior.

Stage

You have proven product-market-fit.

Size

You generate a minimum of €250,000 annual revenue.

Runway

You can demonstrate at least 6 months of runway.

See how much funding you could get

Get your tailored funding plan

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:

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No pressure. No obligation.

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**More than financing, we give you capital and intelligence**

re:cap combines funding with insights to help you plan ahead.

Capital OS funding plan screen showing net cash flow bar chart for 2026 with positive inflows in January and February, negative outflows from March to November, and a transaction details table below.

With re:cap you can:

Capital AI analyzes your financials and recommends optimal funding timing and structure

Connect Stripe, Chargebee, or your billing platform for real-time MRR, ARR, and churn tracking

Scenario planning shows exactly how much you need and when

Understand the impact of funding decisions before you commit

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Why founders choose re:cap over traditional financing

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.

re:cap

Traditional options

Before re:cap vs with re:cap

No equity, ever

Traditional RBF for SaaS → 1.3-1.5x repayment multiples drain MRR,rigid revenue % payments, typically only 6-12 month payback

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

FAQs

Didn’t find an answer? Talk to us.

How is re:cap different from other SaaS financing options?

Most SaaS financing forces tough tradeoffs: expensive RBF (1.3-1.5x multiples that can cost you €150K+ on €500K), restrictive venture debt (requires VC backing + warrants), or dilutive equity (20-30% ownership loss). re:cap combines AI-powered SaaS financial intelligence with flexible, non-dilutive funding, at lower cost than RBF and without the restrictions of venture debt.

How do you evaluate SaaS companies?

We connect to your billing platform (Stripe, Chargebee, etc.) and analyze SaaSfundamentals: MRR growth, churn, CAC payback, LTV:CAC ratio, and burn multiple. We understand subscription economics—unlike traditional lenders who just look at balance sheets.

Will I give up equity?

No. re:cap is 100% non-dilutive.

How fast is the process?

You can see indicative terms within minutes. Funding is significantly faster than traditional debt.

Do I need VC backing?

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.

Grow on
your terms

Alternative financing that adapts to your business,
not the other way around.

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