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.
re:cap provides growth capital that adapts to your business, not the other way around. nstead of rigid loan structures, we align funding with how your revenue actually behaves: funding that supports sustainable growth without unnecessary trade-offs.
No equity, ever
Equity dilution via warrants (typically 2-10% additional dilution)
Flexible funding plans and payback periods
Fixed repayment schedules
No operational restrictions
Restrictive covenants
Funding in 2-6 weeks after connecting data
Lengthy process that distracts your team
Deal sizes matching your needs
Minimum deal sizes (often €2M-5M+)
Didn’t find an answer? Talk to us.
Traditional venture debt requires:
✗ 2-10% equity dilution through warrants
✗ Recent VC backing (usually Series A or later)
✗ 3-6 month approval process
✗ Restrictive financial covenants
✗ Minimum €2M-5M deal sizes
✗ Fixed repayment schedules
re:cap offers:
✓ 0% equity dilution - no warrants, ever
✓ Works with or without VC backing
✓ Funding in 2-6 weeks after connecting data
✓ Flexible terms you can adjust
✓ Deal sizes from €250K to €5M
✓ Plus Capital AI for financial intelligence
No. re:cap is 100% non-dilutive.
You can see indicative terms within minutes. Funding is significantly faster than traditional debt.
No. re:cap works for both bootstrapped and VC-backed companies.
Flexible capital. No dilution. No unnecessary constraints.
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