Latest news with #CapitalOS
Yahoo
11-07-2025
- Business
- Yahoo
Berlin fintech re:cap expands to UK with $170m credit facility
Berlin-based fintech re:cap has announced its expansion into the UK, launching a €125m ($169.8m) credit facility for onward lending, backed by HSBC Innovation Banking and Avellinia Capital. Known for its Capital Operating System (Capital OS), re:cap aims to equip tech companies with tools for real-time capital planning and flexible financing options. The Capital OS is intended to assist high-growth companies in scaling without heavy reliance on equity or traditional lending constraints. By integrating flexible debt, real-time liquidity management, and capital planning into a single platform, re:cap empowers founders and CFOs to maintain greater control over capital raising, allocation, and monitoring. HSBC Innovation Banking's structured finance head Phill Lovett said: '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.' The UK, recognised as the second-largest tech funding market globally, is home to numerous startups and growth-stage firms facing challenges such as rising interest rates and increased investor scrutiny, according to the company. With its UK expansion and new funding structure, re:cap aims to unify capital management, planning, and execution within one system, establishing itself as the primary platform for founders and CFOs across Europe and supporting a shift from equity-dependent models to data-driven financial strategies. re:cap CEO and co-founder Paul Becker said: '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.' The concept for re:cap was born when co-founders Paul Becker and Jonas Tebbe identified a need to combine capital access with real-time financial analysis while consulting for a private equity firm. They previously established LIQID, a prominent digital wealth management platform in Europe. Since its launch in Germany in 2021, re:cap has provided over €100m ($135.8m) in financing to companies in Germany and the Netherlands, boasting an impressive record of zero defaults, which has built confidence among institutional investors. "Berlin fintech re:cap expands to UK with $170m credit facility" was originally created and published by Retail Banker International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Sign in to access your portfolio
Finextra
11-07-2025
- Business
- Finextra
Re:cap lands in the UK with €125m credit facility from HSBC
Recap UK Capital OS Launch has a €125 million fund to help tech companies in the area grow without giving up equity. 0 This content is provided by an external author without editing by Finextra. It expresses the views and opinions of the author. Recap wants to help startups grow more quickly by giving them flexible, data-driven financing without giving up equity. The company plans to bring its Capital OS for tech companies to the UK. 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 '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,' said Paul Becker, CEO and co-founder of re:cap. '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 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 new facility will help UK-based tech companies that are growing by giving them financing options that are tailored to their needs and work directly with their metrics. 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. Phill Lovett, Head of Structured Finance at HSBC Innovation Banking, said, '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 scaleable source of finance to enable continued growth across Europe and the UK.' Julian Schickel, Founding Partner at Avellinia Capital, commented, 're:cap is solving a major headache for tech founders. Traditional banks rarely lend to startup 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. With the new funding structure and UK expansion, re:cap is building toward a future where capital, planning, and execution live in one system. As more companies trade equity dependency for data-driven finance, re:cap aims to become the single system of record for founders and CFOs across Europe. With the Recap UK Capital OS Launch, the company offers UK startups a powerful way to get money for growth that combines access to capital with tech-driven flexibility.
