You get a flexible credit line, up to €5M, based on your financial performance and your forecast. 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.

Once approved, you can draw what you need, when you need it. No board approvals. No dilution. The money lands fast, and you stay in control.

Every draw, repayment, and plan update happens in the same place: inside the Capital OS. So you always know how much capital you have, what it costs, and how it supports your growth.

There are multiple use cases companies use debt funding from re:cap for:

Fund and reach long-term company goals

• Extend your runway and bridge to profitability
  • Build a cash buffer to extend your runway, giving you more time to reach break-even.
• Accelerate your growth
  • Fund growth initiatives and deploy your capital effectively.
• Postpone equity fundraising for more favorable terms
  • Reach milestones and secure better terms for your equity round.
• Fund large investments
  • Finance M&A or other large investments with financial flexibility to seize the transaction.

Bridge gaps

• Handle volatile cash flow
  • Make sure you have always enough cash at hand to cover your everyday needs.
• Cover long payment targets
  • Don’t let bridge obligations, up-front payments, or long payment terms jeopardize your cash flow.
• Unlock predictable growth
  • Get the funding you need to avoid losing revenue from secured customers and won projects.
• Cover large one-time expenses
  • Finance major expenses like machinery or events and preserve your cash balance.

Check out our case studies to see how CEOs and CFOs use re:cap.

Between €50,000 and €5M.

Your interest rate and cost of capital depends on your rating on the 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 and your funding approved by us, the funds will typically arrive in your bank accounts within two business days.

re:cap is relevant for companies with the following criteria:

• You operate within the EU or UK.
• You are a B2B 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 €250K annual revenue.
• You have a runway of at least 6 months, with your business either nearing break-even or already profitable.
  

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:

Bank accounts and other payment providers

• The bank account data allows us to assess and verify the cash flows of your business on an aggregated level.
• You can securely connect all of your accounts for view-only access. If we don’t support your bank yet, let us know and you can provide the data manually.

Revenue and customer data

• The subscription data allows us to identify your contracts as well as your revenues streams and sync them to our funding platform.
• You can securely connect the subscription management tool of your choice for view-only access (Stripe, Chargebee, Recurly, chargify, zuora, billwerk, etc.). If we do not support your tool, just let us know.
• If you are using a custom tool, you can upload the data manually in Excel- or CSV-format.

Accounting data

• The accounting data allows us to assess and verify the financial situation of your business.
• You can upload the data manually in Excel- or CSV-format.

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.

No, we don’t ask for personal guarantees or equity warrants. Our funding is 100% non-dilutive. You stay in control.

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.