Empowering the growth of small businesses

Recap | Embedded Funding Solutions
flexible and transparent funding

Our mission is to enable the growth of small businesses.

At Recap, we understand both the aspirations and challenges of small business owners like yourself.

What sets Recap apart is our commitment to your business’ success. Our innovative cash advance product is designed to fit the unique needs of our customers. The payment of the advance is suited to your revenue, ensuring that you are not out of your depth. During onboarding, you agree to a fixed percentage of your daily sales, guaranteeing that the payments and your sales remain aligned.

We pride ourselves on a transparent approach, ensuring your business achieves its greatest aspirations without any financial barriers. Recap isn’t just a funding provider; we’re here to help your business achieve its full potential.

Recap partners with trusted payment service providers to give small businesses across the UK and Europe the opportunity to grow with the support of a cash advance. Our strategic partnerships and collaborative approach ensure you, as the small business owner, have the resources and support necessary to seize new opportunities as they arise.

How it works

What is a Cash Advance?

A cash advance is a flexible funding product that gives your business the freedom to grow without the burden of fixed monthly repayments that come with traditional loans. Instead, Recap collects a fixed percentage of your sales, meaning that during slower business periods your payments decrease. The cash advance amount is calculated using your monthly sales.


Quick & Easy

Your offer is pre-approved and will be sent to you through your trusted payment service provider – there is no need for a lengthy application process!

Tailored for you

The term of the advance can be anywhere between 3 to 12 months, as decided by you!

Transparent fees

A transparent, fixed fee will be calculated before you sign and that's that. Simple funding to help grow your business however you please!
Payment flows

How do payments work?

Payment flow before
your advance

Right now, the payment flow from your customers to your business account is pretty simple. A customer pays you, and it goes straight into your account.

Payment flow after
your advance

The payment flow once you start paying back your advance, really isn’t that complicated. If a customer pays you £100, that cash goes into the new Cash Advance Account we will set up for you. From there, your settlements will go straight into your business bank account, while the percentage (Fixed % of Daily Sales) we agreed on will come directly to Recap. Simple.

With so much freedom in how to use your advance, here are some ideas to get you started!

Oh, and did we mention that your advance could be in your account within hours?

Recap | Embedded Funding Solutions

Frequently Asked Questions.

Recap offers its cash advance product through its partnerships with payment service providers. The advance is pre-approved, meaning there is no application process. We analyse the anonymous transaction data provided by our partners and if you are eligible, you will receive an offer. Once you receive your offer (via email or text), you will need to complete Recap’s quick and easy user journey to finalise your details and accept the funding. No additional paperwork or hassle!

As long as you meet the minimum criteria, all you have to do is wait for an offer from your payment service provider. Typically, you need to meet the following minimum criteria to be considered for an offer:

  • You are an active business with healthy turnover.
  • You’ve been trading for a minimum of 6 months.
  • Your turnover is at least £1,500 per month.

That answer is simple; whatever you please – for business needs that is! But in case you’re unsure, here are some ideas:

  • Improve cash flow
  • Renovate or expand your premises
  • Purchase more stock
  • Hire more staff
  • Upgrade equipment

No collateral is required. Recap’s cash advance not like a normal bank loan. It is unrestricted and unsecured. This means that you do not have to pledge any assets to be eligible for this product.

  • What is collateral?
    Collateral is an asset (something with value such as fixed property, a vehicle, jewellery, etc.) that a borrower pledges as security against a loan. Security only becomes relevant if the borrower fails to pay back a loan as agreed.
  • Depending on your payments provider, you could receive the funding in just 24 hours.
  • Your advance is tailored to suit the requirements of your business.
  • This advance is offered securely through your trusted payment service provider.

A transparent, fixed fee is calculated based on the advance amount and the estimated payment term, both of which are chosen by you during the onboarding process.

Each offer has already been calculated using anonymised transaction data provided securely by your payment service provider. This means that your offer is pretty much guaranteed. All you have to do is complete an onboarding process, and the funding is all yours!

Yes! Depending on your payments provider, your advance could be in your account in as little as 24 hours!

Yes, we do allow early settlements and merchants can receive a discount on the initial fee too. The majority of merchants prefer to keep their advance facility open and benefit from access to a revolving funding facility.

No, the fee on the advance is calculated upfront as a percentage of the advance value. This fee is fixed and there are no hidden fees or extra costs.

Once merchants obtain initial funding, the process of obtaining additional funding becomes even easier. Recap offers re-advances once a certain amount of the current advance has been paid down. As soon as your re-advance is available, you will be contacted.

Recap is a partner-driven business. Currently, our product is only offered via our partner channels. However, if you want to learn more about our funding and how you could potentially get funded, please reach out to us at

Unfortunately, Recap offers partner-driven funding. Therefore, we are currently only able to offer funding through our partner channels. Should this change, we will be sure to update you!

Unfortunately, we do not provide funding for startup businesses. Merchant funding is measured against the average turnover of your business. To be eligible you need to be trading for more than six months with your payment service provider.

Have a question?

If things are still a little confusing, get in touch and let us know how we can help.