Berlin, Germany – July 11, 2025 – As the tech industry shifts towards capital efficiency, re:cap, the innovative Berlin-based fintech, is entering the UK market with its Capital Operating System (Capital OS), having secured a €125 million credit facility from HSBC Innovation Banking and Avellinia Capital. This new funding structure is set to empower tech companies with real-time capital planning and flexible funding solutions.
Capital OS is engineered to help high-growth companies scale efficiently, alleviating the dependence on equity and traditional lending inefficiencies. The platform seamlessly integrates flexible debt, real-time liquidity management, and precise capital planning, granting founders and CFOs complete control over capital management.
"Our platform has supported numerous tech companies in Germany and the Netherlands, achieving remarkable results," said Paul Becker, CEO and co-founder of re:cap. "With robust backing from our partners, we're excited to extend our services to the UK and foster further growth."
The UK, a leading global tech hub, presents tremendous opportunities for re:cap amidst rising interest rates and investor scrutiny. re:cap’s Capital OS offers non-dilutive capital access combined with financial planning tools, enabling strategic fund deployment.
Conceived by Paul Becker and Jonas Tebbe during a consulting engagement for a private equity firm, re:cap emerged from recognizing the potential to blend capital access with real-time analytics.
Since its inception in 2021, re:cap has facilitated over €100 million in financing in Germany and the Netherlands, maintaining a zero-default track record.
Phill Lovett of HSBC Innovation Banking remarked, "re:cap's superior loan book performance demonstrates its outstanding credit decision-making. We’re delighted to collaborate further alongside Avellinia Capital to scale finance solutions across Europe and the UK."
Julian Schickel of Avellinia Capital added, "re:cap provides a vital service for tech founders, bridging a gap traditional banks and venture debt often overlook."
With this strategic UK expansion and novel funding framework, re:cap is poised to redefine capital finance—integrating planning and execution into a singular, data-driven system for Europe’s tech leaders.
