Berlin, July 11, 2025 (GLOBE NEWSWIRE) — 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.
Paul Becker, CEO and co-founder of re:cap.
“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 re:cap dashboard.
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.”
The re:cap platform.
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.
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About re:cap
Founded in Berlin in 2021, tech company re:cap provides a capital operating system for the digital economy. re:cap enables companies in Germany, the Netherlands and UK to obtain and manage their capital. Companies use re:cap to manage liquidity, create forecasts and close potential financing gaps with debt capital — all based on real-time company data. re:cap was founded by fintech experts Paul Becker (CEO) and Jonas Tebbe (CPO), who previously co-founded wealth tech pioneer LIQID. Leading tech investors Entrée Capital, Felix Capital, Project A, and Mubadala Capital have invested in re:cap. Website: http://www.re-cap.com and LinkedIn: linkedin.com/recapnow
About HSBC Innovation Banking
HSBC Innovation Banking offers flexible banking solutions for start-ups, scale-ups, growth businesses, investors and those working towards IPO. From comprehensive banking to managing cashflow to plans for buyouts to Global Funds Banking, we fuel ideas at every stage of their journey.
HSBC Innovation Banking provides commercial banking services, expertise and insights to the technology, life science and healthcare, private equity and venture capital industries. HSBC Innovation Banking UK is a subsidiary of HSBC Group, benefiting from its stability, strong credit rating and international reach to help fuel its growth.
© 2025 HSBC Innovation Bank Limited. All rights reserved. HSBC Innovation Bank Limited (trading as HSBC Innovation Banking) is registered in England and Wales at Alphabeta, 14-18 Finsbury Square, London EC2A 1BR, UK (Company Number 12546585). HSBC Innovation Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Firm Reference Number 543146). HSBC Innovation Bank Limited is part of the HSBC Group. HSBC Innovation Bank Limited is committed to making its website and related documents accessible to everyone. Learn more on http://www.hsbcinnovationbanking.com/accessibility
About Avellinia Capital
Avellinia Capital is a private credit investment firm that provides asset-based financing and capital solutions to startups and scale-ups in the innovation economy. AvCap supports growing businesses with flexible, tailor-made financing. Learn more at http://www.avellinia.com
