re:cap offers debt funding tailored to meet your company's needs. Get flexible terms supporting your immediate requirements and long-term success.
Our debt funding is scalable. You can adjust the amount over time.
We offer flexible terms: short- or long-term, direct repayment or grace periods. You can hold onto the money as it serves you best.
We don’t want shares, guarantees, convertibles, or equity warrants – protect your cap table and keep ownership.
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 have a runway of at least 6 months, with your business either nearing break-even or already profitable.
Forecast liquidity to determine the right amount at the right time. Secure debt funding to hit long-term goals or bridge cash gaps. Track progress and adjust terms with real-time financial insights. Yes – all in one place.
Understand at any time what you get and what we need.
To use re:cap, create an account and securely connect your bank data for a liquidity assessment. Enter your use case and funding amount. Share your business plan so we understand your needs and how you’ll use the funds.
After our initial data review, we’ll create a financial forecast on the platform and align on your funding plan together. It outlines how much capital you need, when you need it, and your cost of capital. The beauty of it: you can forecast and secure funding – all in one place.
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.
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).
After successful due diligence, you can request your funding via re:cap – the first payout happens within 2 business days. Afterwards, you can manage your liquidity on the platform and request additional payouts anytime.
Learn how other founders, CEOs, and CFOs reach their goals with re:cap.
Create an account and start your funding process, or talk to our experts about our funding products.
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Amount, duration, usage, repayment terms – we offer flexible funding that fits your company’s needs and goals.
Short- or long-term, direct repayment or grace periods: hold onto the money as it serves you best.
Make use of scalable funding and adjust your amount over time.
We don't want shares: get funding without sacrificing equity and protect your cap table.
Bridge to profitability? Hit valuation milestones faster? Handle volatile cash flow? re:cap delivers funding built to fit your business. Unlike traditional lenders, our funding is based on your financial and business data, getting to the heart of how growth companies thrive. This is our sweet spot. We make sure, you get financing that adapts to your needs, now and down the road.
Discover how you can use our long-term funding for lasting growth.
Discover how you can use our short-term funding to cover your immediate needs.
Create your re:cap account, enter your use case and funding amount, and securely connect your bank account for the liquidity assessment. Besides, share your business plan so we better understand your needs and how you'll use the funds.
After our first review, we’ll schedule a meeting with you and align on a funding plan together. The funding plan shows the amount of capital you ideally need, when it should be available, and your cost of capital.
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.
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).
After successful due diligence, you can request your funding via the re:cap platform – the first payout happens within 2 business days.
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 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.
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