As the tech industry pivots from growth-at-all-costs to a new era of capital efficiency, founders and CFOs are under pressure to rethink how they fund and manage growth. re:cap, the Berlin-based fintech behind the Capital Operating System (Capital OS), today announced its expansion into the UK and the launch of a new €125 million credit facility for onward lending provided by HSBC Innovation Banking and Avellinia Capital. re:cap operates the tech platform and infrastructure on top of the facility, giving tech companies access to real-time capital planning and flexible funding. The move brings re:cap to one of the world’s most advanced tech ecosystems and provides opportunity for further international expansion.
The Capital OS is designed to help high-growth companies scale without overreliance on equity or the inefficiencies of traditional lending. re:cap combines flexible debt, real-time liquidity management, and capital planning in a single platform. This gives founders and CFOs full control over how capital is raised, deployed, and tracked.
The UK’s expansion marks a pivotal moment for re:cap. As the second-largest tech funding market globally, the UK is home to thousands of startups and growth-stage companies navigating rising interest rates, valuation pressure, and stricter investor scrutiny. Many are exploring alternative financing models to preserve equity and invest in growth — but equally important is understanding when, how, and how much to fund. re:cap’s Capital OS combines access to non-dilutive capital with financial planning tools that help management teams deploy it with precision.
The idea for re:cap was born when co-founders Paul Becker and Jonas Tebbe were consulting a private equity firm on digital due diligence. While prototyping financial tools, they saw an opportunity to integrate capital access with real-time analysis. Out of that insight, re:cap was born. Prior to re:cap, the founders built LIQID, Europe’s leading digital wealth manager.
Since launching in Germany in 2021, re:cap has deployed more than €100 million in financing across Germany and the Netherlands. Testament to the quality of re:cap’s underwriting is the company’s track record with zero defaults which has impressed institutional investors.
re:cap lands in the UK to scale its Capital OS for tech companies, as it secures €125M for new facility
Posted in Commentary with tags re:cap on July 11, 2025 by itnerdAs the tech industry pivots from growth-at-all-costs to a new era of capital efficiency, founders and CFOs are under pressure to rethink how they fund and manage growth. re:cap, the Berlin-based fintech behind the Capital Operating System (Capital OS), today announced its expansion into the UK and the launch of a new €125 million credit facility for onward lending provided by HSBC Innovation Banking and Avellinia Capital. re:cap operates the tech platform and infrastructure on top of the facility, giving tech companies access to real-time capital planning and flexible funding. The move brings re:cap to one of the world’s most advanced tech ecosystems and provides opportunity for further international expansion.
The Capital OS is designed to help high-growth companies scale without overreliance on equity or the inefficiencies of traditional lending. re:cap combines flexible debt, real-time liquidity management, and capital planning in a single platform. This gives founders and CFOs full control over how capital is raised, deployed, and tracked.
The UK’s expansion marks a pivotal moment for re:cap. As the second-largest tech funding market globally, the UK is home to thousands of startups and growth-stage companies navigating rising interest rates, valuation pressure, and stricter investor scrutiny. Many are exploring alternative financing models to preserve equity and invest in growth — but equally important is understanding when, how, and how much to fund. re:cap’s Capital OS combines access to non-dilutive capital with financial planning tools that help management teams deploy it with precision.
The idea for re:cap was born when co-founders Paul Becker and Jonas Tebbe were consulting a private equity firm on digital due diligence. While prototyping financial tools, they saw an opportunity to integrate capital access with real-time analysis. Out of that insight, re:cap was born. Prior to re:cap, the founders built LIQID, Europe’s leading digital wealth manager.
Since launching in Germany in 2021, re:cap has deployed more than €100 million in financing across Germany and the Netherlands. Testament to the quality of re:cap’s underwriting is the company’s track record with zero defaults which has impressed institutional investors.
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