German Fintech re:cap Raises €125M Credit Facility and Expands Into UK Market

Julian Schickel, Founding Partner at Avellinia Capital, says, “re:cap is solving a major headache for tech founders. Traditional banks rarely lend 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 together.”

re:cap, which offers a Capital Operating System (Capital OS), will continue providing a platform that helps tech companies with real-time capital planning and flexible financing.

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The company has now expanded into the UK a key tech funding market where startups are rethinking their financing strategies due to rising interest rates and shifting investor expectations. Many are turning to non-dilutive funding to preserve equity. re:cap’s platform supports this need by offering access to capital along with tools for smart financial planning and fund management.

Phill Lovett, Head of Structured Finance at HSBC Innovation Banking, says, “It has been a privilege to partner with re:cap since 2022, providing warehouse funding to enable the business to build a high-performing loan book underpinned by re:cap’s market-leading credit decision-making software.”

“We are extremely happy to continue to work with the company and welcome Avellinia Capital as an additional financing partner. Together, we will provide a scalable source of finance to enable continued growth across Europe and the UK.”

The idea for re:cap came while the founders were consulting for a private equity firm, where they saw the potential to combine capital access with real-time financial analysis. Before starting re:cap, they had co-founded LIQID, a digital wealth management platform.

Co-founder Becker says, “Over the past four years, our platform has helped 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.”

re:cap’s Capital OS brings together debt funding, real-time liquidity management, and capital planning on one platform. It helps companies manage how they raise, use, and monitor capital. The platform is built for founders and CFOs of fast-growing companies who want to scale without giving up equity or using traditional loans.

So far, re:cap has provided over €100 million in financing in Germany and the Netherlands, with no defaults. The company is backed by top institutional investors, including Entrée Capital, Felix Capital, Project A, and Mubadala Capital.

About re:cap

Founded in 2021 by Paul Becker and Jonas Tebbe, re:cap provides a capital operating system designed for the digital economy. It helps companies in Germany, the Netherlands, and the UK access and manage capital, monitor liquidity, forecast finances, and fill funding gaps using real-time data.