Your funding costs mainly depend on usage. You only pay for what you draw, when you draw it – the credit line is fully flexible.

In addition, costs are influenced by our internal rating system. After connecting your financial data sources, we run a detailed risk analysis and assign a rating from A to F. The most influential factors to determine your costs are ARR size, runway, and revenue growth.

Yes. It’s a flexible credit line tied to a pre-defined funding plan to provide long term comfort around future payouts. If you’re eligible for funding the plan can be adjusted during the term, so you can draw and repay as needed.

We follow a “security-light” approach: only a pledge on receivables. No personal guarantees (like banks) and no equity kickers (like venture debt).

We fund companies that meet these criteria:

• You operate within Germany, the Netherlands, Spain, Austria, 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 €250K annual revenue.
• You can demonstrate at least 6 months of runway.

Day 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.

Day 5:  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.

Day 10: 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.

Day 11: 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).

Day 22: Start payout

After successful due diligence, you can request your funding via the re:cap platform.

Your current cash balance and binding liquidity commitments needs to cover at least 6 times your recent monthly cash burn, calculated on a 3 or 6 months average.

We prioritize the highest security standards to safeguard our customers' data. Our platform is developed and hosted in Germany, where all financial and business data from our customers is stored and processed. And we use a 256-bit bank-level encryption for maximum protection.

Our data processing agreement which is concluded as integral part of our general Platform Terms of Service, in connection with our effective technical and organizational measures, warrant that our customers‘ data will always be processed in accordance with the stringent European data protection standards.