What is re:cap?

re:cap brings funding and financial operations together on one platform. Startups and SMEs gain full control over their liquidity while accessing flexible debt funding – so finance becomes faster, smarter, and more aligned with business needs.

At its core, re:cap is a Capital Operating System. It connects financial data from across the company – bank accounts, revenue streams, customer metrics, and accounting tools – into one central source of truth. On this foundation, re:cap offers intelligent liquidity management: companies can plan, control, and optimize their cash flow. Automated workflows streamline financial operations, from forecasting to month-end close.

re:cap provides companies with access to non-dilutive capital. They can tailor the terms to their needs: how much to raise, how long to borrow, and how to repay.

Who is re:cap for?

re:cap is made for companies that want more control, clarity, and flexibility in their financial setup. Whether they’re managing growth, streamlining operations, or securing funding – re:cap gives them the tools to move faster, without the friction of complex systems.

The platform is especially valuable for startups, scale-ups, and SMEs that need robust financial management – but don’t have time for tools that require a team of consultants.

For CFOs, controllers, finance teams, and founders, re:cap simplifies liquidity management. They get a real-time view of their cash position, track key performance metrics, generate reliable reports, and make smarter, data-driven decisions. No steep learning curve, and no tech expertise required – just a clean, intuitive interface with powerful features under the hood.

Is re:cap for free?

re:cap offers a flexible pricing model based on your company’s revenue. Companies only pay for the products they need, there is no need to purchase the full platform. You can choose from three products: Liquidity Analysis, Accounting Automation, and Debt Funding. You can start with a 14-day free trial to explore the platform. Paid plans begin at €39/month.

With Liquidity Analysis, companies get a real-time overview of their cash position in just a few minutes. After connecting the financial data sources, re:cap automatically categorizes transactions with 98.8% accuracy. This enables detailed cash flow analysis and reliable liquidity forecasts – without the need for a complex setup.

With Accounting Automation, the month-end close becomes more efficient. The dashboard shows what’s missing, what’s approved, and what needs a closer look. re:cap also automates invoice reconciliation, processes unstructured data, and takes repetitive tasks off your plate.

With Debt Funding, companies access a flexible and non-dilutive funding instrument. They can tailor terms – amount, duration, and repayment – to fit their business needs and goals. Ticket sizes range from €50K to €5M, with amortization periods from 1 to 60 months. Companies use this to extend their runway, bridge to profitability, postpone equity rounds, fund growth, or cover short-term liquidity gaps.