Berlin-based re:cap, a fintech company, has launched a €125M credit facility for onward lconcludeing and has expanded its operations to the UK. The funding was provided by HSBC Innovation Banking and Avellinia Capital.
Julian Schickel, Founding Partner at Avellinia Capital, states, “re:cap is solving a major headache for tech founders. Traditional banks rarely lconclude to startups and growth tech companies, and venture debt is usually only available for later-stage companies. With re:cap, tech companies can easily and flexibly receive growth capital, while benefiting from a powerful real-time analytics platform.”
“We’re pleased to commence our collaboration with re:cap, leveraging an innovative financing structure, as we enter this next phase toobtainher.”
re:cap, which offers a Capital Operating System (Capital OS), will continue to operate the platform and infrastructure that enables real-time capital planning and flexible financing for tech companies.
Expansion in the UK
re:cap has expanded into the UK, a major global tech funding market where startups and growth-stage companies are reassessing financing strategies due to interest rate alters, valuation challenges, and investor expectations.
Many firms are considering non-dilutive funding options to manage equity and support operations. re:cap’s Capital OS offers access to such capital along with tools for financial planning and deployment. The shift aligns with broader alters in how tech companies approach funding and capital apply.
Phill Lovett, Head of Structured Finance at HSBC Innovation Banking, states, “It has been a privilege to partner with re:cap since 2022, providing warehoapply funding to enable the business to build a high-performing loan book underpinned by re:cap’s market-leading credit decision-building software.”
“We are extremely happy to continue to work with the company and welcome Avellinia Capital as an additional financing partner. Toobtainher, we will provide a scalable source of finance to enable continued growth across Europe and the UK.”
Brief about re:cap
Founded in 2021 by Paul Becker and Jonas Tebbe, re:cap offers a capital operating system for the digital economy. It enables companies in Germany, the Netherlands, and the UK to obtain and manage capital. The platform is applyd to manage liquidity, create forecasts, and close financing gaps with debt capital based on real-time company data.
The idea for re:cap originated while the founders were consulting for a private equity firm. They identified an opportunity to integrate capital access with real-time analysis during a financial tools prototype. Prior to re:cap, the founders co-founded LIQID, a digital wealth manager.
Co-founder Becker states, “Over the past four years, our platform has supported hundreds of tech companies in Germany and the Netherlands scale efficiently – with zero defaults and full transparency. Now we’re bringing that same infrastructure to the UK, supported by more capital than ever, provided by our strong existing and new partners.”
The company’s Capital OS combines debt capital, real-time liquidity management, and capital planning in a single platform. It allows companies to control how capital is raised, deployed, and tracked. re:cap serves founders and CFOs of high-growth companies aiming to scale without relying on equity or traditional lconcludeing.
The company has already deployed over €100M in financing across Germany and the Netherlands, with zero defaults. Institutional investors, including Entrée Capital, Felix Capital, Project A, and Mubadala Capital, have invested in re:cap.
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