Smart Capital at Scale: re:cap’s €125M Bet on the UK Tech Market
Berlin-based fintech startup re:cap has announced a major step in its European expansion, entering the UK market and securing a €125 million credit facility to boost its signature Capital Operating System (Capital OS).
The funding round is backed by HSBC Innovation Banking UK and Avellinia Capital, enabling re:cap to scale its platform that combines capital access with real-time financial planning for fast-growing tech companies.
The move comes at a pivotal time as startups and CFOs shift their priorities from aggressive expansion to capital efficiency in an increasingly cautious investment climate. With access to venture capital tightening and equity becoming more expensive, re:cap’s Capital OS offers a compelling alternative — helping founders fund growth without giving up ownership.
A New Era of Tech Financing
The company’s Capital OS is an all-in-one platform that integrates non-dilutive capital, liquidity management, and data-driven forecasting. Designed for high-growth companies, the system provides CFOs and finance teams with precise control over how and when to raise funds, backed by insights from real-time company data.
“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.”
UK Launch Marks Strategic Expansion
The UK is the second-largest tech funding market globally, making it a prime target for re:cap’s next phase. The expansion will allow thousands of British startups — many facing rising interest rates and valuation pressure — to access flexible debt solutions combined with built-in capital planning tools.
The €125 million credit facility will power re:cap’s lending operations in the region, while the fintech continues to operate the digital infrastructure that sits atop this funding.
From Concept to Continental Growth
Founded in 2021 by Paul Becker and Jonas Tebbe, the idea for re:cap originated during their work in private equity due diligence. Frustrated by the disconnect between capital access and financial analytics, they envisioned a system that could unify both — giving rise to the Capital OS.
Prior to re:cap, the founders built LIQID, one of Europe’s top digital wealth managers. Since its launch, re:cap has deployed over €100 million in financing across Germany and the Netherlands, earning the trust of institutional investors with a flawless repayment record.
The Future of Capital Planning
As the startup ecosystem matures and founders seek smarter alternatives to traditional funding paths, re:cap aims to become the default capital operating system for tech companies across Europe.
With its entry into the UK and a significant injection of fresh capital, re:cap is poised to redefine how startups manage and scale their financial strategies — offering not just funding, but a new framework for growth.
