re:cap provides working capital financing that helps you to navigate temporary funding needs without sacrificing your cash flow.
re:cap provides working capital financing that helps you to navigate temporary financing needs without sacrificing your cash flow.
Focus on your revenue and business. Make sure you have always enough cash at hand to cover your everyday needs.
Make sure you get the financial backing you need to make things happen, so you don’t miss revenue from already closed customers and won projects.
Don’t let bridge obligations, up-front payments, or long payment terms slow down your business and jeopardize your cash flow.
Finance larger one-time expenses such as machinery, equipment, or events, allowing you to preserve cash balance and financial stability.
Secure the cash you need to finance your business, and easily adjust the amount each month as necessary.
You have the freedom to choose from flexible repayment plans that span over 12 months, including grace periods.
Get started in minutes and receive your funding in days not months.
How our customers reach their ambitions with re:cap.
One platform – all the tools you need to manage and optimize your financials. Stay in control and know when to secure additional funding.
Get a quick overview of all your bank accounts, balances, and transactions – live, in one place, across your entire company, or broken down by individual entities.
Get instant access to key financial metrics and deliver real-time insights for your management, team, and investors. This way, you are always up to speed and can answer any finance-related questions.
Skip messy spreadsheets: forecast liquidity with real-time bank data and run scenarios based on trends and your assumptions. Evaluate the financial impact of key decisions, from hiring to major expenses.
Your business generates predictable, recurring revenue.
Your legal entities are at least partly located in the EU.
You need at least six months of runway, be profitable or close to break-even.
Our platform allows you to get started in minutes, and receive funding and insights in days not months.
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 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 re:cap Funding for:
Check out our case studies to see how other companies and founders use re:cap Funding.
You can between €50,000 and €25m via re:cap Funding.
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
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.
re:cap provides flexible repayment terms, ranging from 1 month up to 5 years, including grace periods.
To provide the best possible funding terms to you we need access to:
Bank accounts and other payment providers
Revenue and customer data
Accounting data
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 financing terms for your business.
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.
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 Funding 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 re:cap’s side it is possible to combine re:cap with other forms of funding, such as traditional 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.
