Berlin-based fintech re:cap has taken a bold step by officially expanding into the United Kingdom’s thriving tech market.
Notably, this move follows its successful €125 million credit facility secured from HSBC Innovation Banking UK and Avellinia Capital.
As a result, re:cap now plans to accelerate growth using its capital operating system designed specifically for tech businesses.
Moreover, this expansion represents a key milestone in re:cap’s journey to becoming a cross-border capital platform in Europe.
Flexible Growth Capital, Without Dilution
Founded in 2021, re:cap helps high-growth companies secure non-dilutive funding with better liquidity and capital forecasting tools.
In addition, its platform blends real-time liquidity monitoring with debt planning for fast-moving tech firms.
Because traditional funding often comes with equity loss, re:cap offers a safer, smarter way to raise capital.
Therefore, businesses using the capital operating system retain ownership while accessing flexible debt quickly and transparently.
Until now, the company focused on Germany and the Netherlands, where it supported hundreds of growing tech companies.
Importantly, it reports zero defaults in those markets — a testament to its strong credit analytics and responsible underwriting.
Why the UK Matters for re:cap
The UK remains the world’s second-largest tech funding hub, making it a strategic choice for re:cap’s next growth phase.
Consequently, the company sees the UK as a natural fit for its capital operating system and credit model.
According to CEO Paul Becker, re:cap brings proven infrastructure and stronger funding to support UK founders.
“We’re bringing what worked in Germany and the Netherlands — plus more capital than ever before,” Becker explained.
Clearly, re:cap’s platform will now empower UK tech startups to scale efficiently, especially during economic uncertainty.
With this, re:cap enters the UK with momentum, experience, and strong financial backing behind its mission.
Trusted Partners Drive Expansion
re:cap’s expansion is built on continued support from HSBC Innovation Banking, its long-time structured finance partner.
Phill Lovett from HSBC noted their confidence in re:cap’s model and welcomed Avellinia Capital as a new backer.
“Together, we’re creating scalable funding for tech firms across the UK and Europe,” Lovett commented.
Moreover, the joint credit facility strengthens re:cap’s ability to provide capital aligned with startups’ growth journeys.
For this reason, the fintech can now expand its lending portfolio while adapting to each market’s unique risk profile.
With better tools and deeper funding, re:cap continues evolving its capital operating system for broader reach.
The Future Looks Cross-Border
re:cap’s entry into the UK marks more than a market expansion — it signals growing demand for alternative capital infrastructure.
Furthermore, the company’s track record shows that tech firms value faster access to capital without giving up equity.
As fintech evolves, founders increasingly choose platforms like re:cap that simplify funding through better data and automation.
In this way, re:cap is not just funding growth — it’s reshaping how businesses interact with capital at scale.
In conclusion, re:cap’s next chapter positions its capital operating system at the heart of Europe’s digital economy.