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Get the most tailored funding

Amount, duration, usage, repayment terms – we offer flexible funding that fits your company’s needs and goals.

Flexible repayment from 1 to 60 months

Short- or long-term, direct repayment or grace periods: hold onto the money as it serves you best.

Funding amount from €50k to €25m

Make use of scalable funding and adjust your amount over time.

Keep full control – 100% non-dilutive

We don't want shares: get funding without sacrificing equity and protect your cap table.

Funding adapted to your company, not the other way around

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.

Long-term funding

Discover how you can use our long-term funding for lasting growth.

Explore long-term funding

Short-term funding

Discover how you can use our short-term funding to cover your immediate needs.

Explore short-term funding

A clear process – understand what you get, know what we need

Get started

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.

Alignment on the funding plan

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.

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.

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).

Start payout

After successful due diligence, you can request your funding via the re:cap platform – the first payout happens within 2 business days.

Take care of all things funding

Get access to re:cap and make financing decisions with confidence. Create an account or talk to our experts about your funding.

FAQs

Didn’t find an answer? Talk to us.

How does debt funding from re:cap work?

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.

How can I use debt funding from re:cap?

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

Fund and reach long-term 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.

Liquidity management to 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 other companies and founders use re:cap.

How much funding can I get via re:cap?

You can between €50,000 and €5m via re:cap.

What are the costs of using funding 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.

How quickly can I receive funding?

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.

For which businesses is funding from re:cap relevant for?

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

  • You operate within Germany or the Netherlands.
  • 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.
What does the funding process look like?

1. Get started

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.

What is the repayment time?

re:cap provides flexible repayment terms, ranging from 1 month up to 5 years, including grace periods.

What data do I need to provide?

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.
Why does re:cap need the data?

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.

Can I also connect my account with EBICS?

No, EBICS is not a generally accepted standard for open banking. You can provide data for those bank accounts manually.

I don’t work with a subscription management tool, can I nevertheless get funded?

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.

Are there any personal guarantees, convertibles, or equity warrants for founders or CEOs?

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

How does funding from re:cap compare to Venture Capital?

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.

How does funding from re:cap compare to Venture Debt?

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.

Can I combine re:cap with other forms of funding?

Yes, from our end it's possible to combine re:cap with other forms of funding, such as traditional bank loans, venture debt, venture capital, or private equity.

Can I get funding if my company is part of a group structure?

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.

Get the most tailored
debt funding

We offer funding tailored to meet your company's needs and goals, with flexible terms that support both your immediate requirements and long-term success.

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Key terms of our funding product

TICKET SIZE
€50K to €5M

Our funding is scalable. You can adjust the amount over time.

AMORTIZATION
1 to 60 months

We offer flexible terms: short- or long-term, direct repayment or grace periods. You can hold onto the money as it serves you best.

COSTS
100% non-dilutive

Interest is your only capital cost. No shares, guarantees, convertibles, or equity warrants – protect your cap table and keep ownership.

Is our funding the right fit for you?

Jurisdiction

You operate within the EU or UK.

Business model

You are a B2B or B2C company from the innovation economy and are technology-led.

Revenue model

You have predictable revenue streams based on recurring buying behavior.

Stage

You have proven product-market-fit.

Size

You generate a minimum of €250,000 annual revenue.

Runway

You have a runway of at least 6 months, with your business either nearing break-even or already profitable.

Funding and financial operations,
finally synced

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.

Fund and reach
long-term goals

Extend your runway and bridge to profitability
Accelerate your growth
Postpone equity fundraising for more favorable terms
Fund large investments

Liquidity management
to bridge gaps

Handle volatile cash flow
Cover long payment targets
Unlock predictable growth
Cover large one-time expenses

Making tailored funding part of your success

How our customers reach their ambitions with re:cap.

Talk to us and learn more about our funding offerings

Create an account yourself and immediately start your funding process or talk to our experts about our funding products.