Is Re:cap a direct funder or a broker?

Re:cap is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.

What's the minimum revenue Re:cap will fund?

Re:cap's published floor is €10,000+ MRR in average monthly revenue, with 12 months minimum time in business. Credit score floor is No FICO check — ARR-based. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.

How fast can Re:cap fund?

Re:cap's public speed quote is Funding in 1 – 5 days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.

Should I go directly to Re:cap or through a broker?

Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Re:cap, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.

Re:cap Review 2026 — Rates, Terms, Honest Verdict

Best for: European SaaS — recurring-revenue trading. Amount range: €10,000 – €10,000,000+. Speed: Funding in 1 – 5 days. Below: the rate card, the watch-out, alternatives we'd compare against, and the honest verdict.

TL;DR

Re:cap ranks #98 in our 2026 funder ranking. Best for european saas companies (€10k+ mrr) wanting rbf without crossing to usd-denominated lenders. The strength: European-focused SaaS RBF. The watch-out: Europe-focused — US fit limited.

Re:cap rate card 2026

Category	Revenue-based financing
Best for	European SaaS — recurring-revenue trading
Amount range	€10,000 – €10,000,000+
Cost (factor / APR)	Single discount on future ARR
Speed to fund	Funding in 1 – 5 days
Min time in business	12 months
Min monthly revenue	€10,000+ MRR
Min credit score	No FICO check — ARR-based

The strength — what Re:cap does better than anyone

European-focused SaaS RBF. Strong fit for EU/UK SaaS companies wanting non-dilutive capital denominated in EUR/GBP.

The watch-out — what Re:cap doesn't put in marketing

Europe-focused — US fit limited. Newer entrant compared to Capchase.

Who Re:cap is best for

European SaaS companies (€10K+ MRR) wanting RBF without crossing to USD-denominated lenders.

Who shouldn't apply

Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Re:cap actually makes sense.

How Re:cap compares to the rest of the top 10

Funder	Category	Cost	Speed
Re:cap (this funder)	Revenue-based financing	Single discount on future ARR	Funding in 1 – 5 days
Credibly	MCA + multi-product	Factor 1.11+ (MCA); APR varies for term + LOC	As fast as 4 hours
Greenbox Capital	Multi-product	Factor varies; published up to 19% ISO commission	24 – 48 hours
Accord Business Funding	MCA specialty	Factor varies by paper grade (often 1.40+)	Next-day for approved files
Bluevine	LOC	APR 6.2% – 27%	1 – 3 business days
OnDeck	Term + LOC	Term APR 27%+; LOC APR 30%+	Same-day for approved files

What to ask Re:cap before signing

"What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
"Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
"What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
"Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.

Frequently asked questions

Is Re:cap a direct funder or a broker?: Re:cap is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
What's the minimum revenue Re:cap will fund?: Re:cap's published floor is €10,000+ MRR in average monthly revenue, with 12 months minimum time in business. Credit score floor is No FICO check — ARR-based. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
How fast can Re:cap fund?: Re:cap's public speed quote is Funding in 1 – 5 days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
Should I go directly to Re:cap or through a broker?: Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Re:cap, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
What's Re:cap's biggest weakness vs alternatives?: Europe-focused — US fit limited. Newer entrant compared to Capchase.

Re:cap — honest 2026 review.