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A revolving credit facility, assessed on your revenue rather than on a forecast. You draw what you need and pay interest on the drawn balance. No personal guarantees, no equity, no warrants.
See in 30 seconds if you should start the process with re:cap.
Incorporated in the EU or the UK.
Growth-focused SME, B2B or B2C.
Predictable and stable month to month.
Established and trading, from early growth to mature.
At least €250,000 annual revenue.
Profitable, or at least six months of cash left.
Start with your website address.
No lengthy onboarding. Add unlimited bank accounts and users.
Getting started takes just a few minutes:
You also get capital readiness and financial health: what you could raise today, what is capping it, and what your cash looks like over the coming months. Every number comes with what it does to your options.
re:cap provides growth capital that adapts to your business, not the other way around. Instead 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
Decision in about a week, payout from about three weeks on larger facilities
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
Through re:cap:
✓ re:cap takes no equity and no warrants of its own
✓ Works with or without VC backing
✓ Payout in about a week on the fast track, from about three weeks on the tailored track
✓ Flexible terms you can adjust
✓ Deal sizes matched to what the business can carry
✓ Plus financial intelligence, not just capital
No. re:cap never takes equity, warrants or board seats. Most of the facilities we arrange are non-dilutive, though some capital providers do work with warrants or equity kickers.
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.
See in minutes whether you're financeable, from which capital source and how much you could get – or what you need to change to get there.
