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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.
Use re:cap to optimize your cash flow proactively. Refinance significant one-time expenses and offset seasonality effects to preserve a stable cash balance.
Create a cash buffer that secures additional months of runway so you can reach profitability safely.
Use re:cap funding to postpone your next VC round and gain more time to improve your KPIs, leading to less dilution and a better valuation.
Leverage re:cap to propel your growth to your timelines, capital and business needs without dilution or restriction.
Fully non-dilutive: get funding without sacrificing equity or warrants
Scalable funding: receive up to €5m with the flexibility to increase over time
Flexible repayment: choose your payback horizon from 12 months to 5 years
Tailored grace periods: customize payment schedules to suit your needs
Adaptive funding: adjust your funding plan if your business evolves
Ideal for SaaS, recurring revenue, and service businesses: predictable cash flows are needed
Companies providing digital software applications on a subscription basis.
Companies generating consistent revenues by offering products that customers subscribe to or use on an ongoing basis.
Companies that offer knowledge, skills, or expertise to clients, often in areas such as consulting, advertising, legal, accounting, or other service businesses fields.
Subscription business model
Your business generates predictable recurring revenue.
Your legal entities are at least partly located in the EU.
You have at least six months of runway when drawing the funding.
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SaaS financing is a specific funding option for companies that offer Software-as-a-Service or have a subscription-based business model.
Usually, SaaS companies derive income from recurring sources, typically as Annual Recurring Revenue (ARR) or Monthly Recurring Revenue (MRR). Scaling revenue in a SaaS company often depends on expanding the customer base, requiring sufficient capital for business growth.
Given the consistent and predictable revenue streams of SaaS companies, several new funding instruments have emerged to meet their requirements. re:cap is one of these providers offering financing specifically made for SaaS companies.
Since B2B SaaS companies generate predictable annual recurring revenue, they fit particularly well to re:cap’s financing option, with which you can receive up to 60% of your ARR. Thus, re:cap’s funding can be tailored to the exact capital needs of your SaaS business, offer customized repayment plans, and serve as your long-term financing partner. You can raise the exact amount of capital you need for your SaaS company – and you have the flexibility to expand the financing plan as your company grows.
re:cap works as a financing line within which you draw as much funding as you need, whenever you need it. 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 business plan, we can provide you with different funding scenarios that help your company get money without risking unnecessary capital costs due to overfunding.
Efficiency-related KPIs play a vital role for early-stage companies that have already achieved profitability. These metrics underscore the significance of effective cost management and scalability, aligning with the stability of their established business model.
On the other hand, early-stage companies that are loss-making, usually focus on growth-oriented KPIs. These metrics concentrate on expansion and seizing market share as part of the strategy to attain profitability.
The most relevant KPIs for evaluating the performance of a SaaS company include:
re:cap is adaptable for many different use cases. Our customers use our funding to extend their runway, postpone equity fundraising, accelerate their growth, optimize their cash flow, or finance M&A.
Once approved, the funding will typically arrive in your bank accounts within two business days.
Our platform allows you to send a request in minutes, and receive funding and growth guidance in days, not months. You can get started in three easy steps: