re:cap helps companies grow better with funding and financial insights tailored to their business needs.
re:cap helps companies grow better with funding and financial insights tailored to their business needs.
Short- or long-term, €10k or €25m, straight repayment or grace period: your funding should match your business. Get the money that aligns with your needs and goals
With re:cap you can improve your cash flow towards your way to break even and seize growth opportunities along the way.
Leverage re:cap strategically to create a cash buffer that extends your runway, securing additional time to reach milestones.
M&A? Use re:cap to finance larger one-time expenses, allowing you to preserve cash balance and financial stability.
With re:cap’s Insights platform, you take control of your cash in real-time, plan liquidity and monitor key financial metrics – all on a single platform. Gain actionable insights into cash flow, accounting, revenue, and benchmarks.
Access key metrics, bank accounts, and balances in a single, easy-to-read dashboard. Track cash inflows and outflows, so you’re always on top of your finances.
Extract key figures for reports that address finance-related questions and provide actionable insights for your management, team, and investors.
Create accurate liquidity plans using historical and real-time data. Adjust parameters manually to evaluate the financial impact of key events, such as hiring or revenue drops.
Get access to re:cap and make financing decisions with confidence. Create an account or talk to our experts about your funding.
Didn’t find an answer? Talk to us.
re:cap provides a flexible financing line, allowing companies to access debt funding as needed. The funding adjusts according to the company’s growth and performance on the re:cap platform.
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.
There are multiple use cases companies use debt funding from re:cap for:
Check out our case studies to see how other founders, CEOs, and CFOs use re:cap.
You can get between €50,000 and €5m from re:cap.
Signing up for re:cap is free of charge.
Apart from that, the cost of capital depends on your rating on the re:cap 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, the funding 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.
Yes, manual data upload is possible, we provide a very simply structured spreadsheet template. However, we recommend subscription tools, as it keeps efforts lower and processes are faster.
No, we don’t ask for personal guarantees or equity warrants. Our funding is 100% non-dilutive. You stay in control.
The VC fundraising process is slow, tying up your team for months. It comes with hefty direct costs for legal fees and consultants, often reaching six figures. Indirectly, it means losing control, as major investors demand board seats and require ongoing investor relations. Most critically, you give up equity – one of the most valuable assets of a founder.
re:cap offers a different path. We don’t ask for shares, board seats, or a say in your company. We provide fast, non-dilutive funding with ticket sizes starting at €50k, scaling to millions. Funding can be secured in less than 48 hours. However, unlike equity, re:cap Funding requires repayment.
Read our blog article to learn more about re:cap and venture capital.
Most venture debt funds require companies to raise at least €3 million. They often ask for warrants, leading to dilution, secure all available assets as collateral, and may demand board seats. On top of that, capital is rarely disbursed in full upfront. Future tranches depend on hitting milestones, and you might be forced to take more funding even if you no longer need it.
re:cap offers a simpler solution. Within days, we provide you with a flexible funding limit. You decide how much capital you need with a single click, and the funds arrive within 48 hours – no warrants, no collateral, no board seats. We handle ticket sizes starting from €50k and going up to millions.
Read our blog article to learn more about re:cap and venture debt.
Yes, from our end it's possible to combine re:cap with other forms of funding, such as bank loans, venture debt, venture capital, or private equity.
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.
Didn’t find an answer? Talk to us.
Liquidity Analysis starts at €39 per month. You can test it for free for 14 days. If you want to learn more about our prices, check out the pricing page.
We cover more than 14,000+ banks from Europe and North America.
In Europe, we work with GoCardless to cover 2,500+ banks. The detailed coverage can be found in this overview.
For North American banks, we work with Plaid to cover 12,000+ banks. The detailed coverage can be found in this overview.
Let us know if a bank you need support for is not supported.
Besides offering access to classical bank accounts, we also offer access to a range of payment platforms, digital wallets and credit cards.
To set up the integration, please use the "Add EU or UK bank account option" and follow the instructions.
By open banking regulation, a minimum of 90 days of transaction history is required, but experience shows that most banks supply >180 days of transaction history.
Experience shows that most banks provide >365 days of transaction history.
New balances and transactions from all bank accounts get fetched daily at midnight (CET time). After fetching new data, the Insights get updated.
