We help businesses turn their performance, credit, and assets into a single financial profile that can be used as standard collateral to raise capital
Recapss is a financial infrastructure
The Recapss Funding Profile is a standardized, investor-grade financial instrument that businesses use to raise capital.
It aggregates your business’s performance, credit history, liquidity, and locked assets into one powerful, verifiable profile.
Once activated, it becomes a collateral-ready digital asset — usable to raise funds from banks, private lenders, investors, or credit facilities.
It’s like a credit passport + investor data room + asset pool — rolled into one
Our Global Partners
The Benefits Of Creating A Recapss Funding Profile For Your Business
Pre-Loaded Capital ($25K)
Businesses with a Recapss Funding Profile gain access to $25,000 in business financing—whether as a loan, working capital, or convertible notes—directly from Reform Capital Solutions, tailored to their business category
Extended Access to Capital
Additionally Businesses with a Recapss Funding Profile can secure up to $1,000000 in financing from over 600+ institutional investors and credit partners within our network seamlessly.
Diverse Financing Options
Recapss unlocks a diverse range of financing options, including working capital, equity-based financing, lines of credit, and traditional business loans. No matter the funding need, a Recapss Funding Profile provides businesses with the right capital solutions.
We’ve combined simplicity, speed, and flexibility to create a funding model that works for you
The Recapss Funding Profile gives businesses a predictable, structured, and investor-grade funding environment — with built-in liquidity, trust, and flexibility. Instead of chasing funding endlessly, businesses become capital-ready at all times, and investors get transparency, exits, and performance-backed confidence.
We Utilise Different Deal Structures To Provide Funding, Based On The Business Nature, Risk Factors, Scalability, & Capital Needs.
High-Growth & Scalable Businesses
Examples: Fintech, SaaS, AI startups, Marketplaces, Biotech
Attributes: High scalability, recurring revenue, high R&D investment, long runway, often VC-backed.
Brick & Mortar Retail Businesses
Examples: Cafés, Grocery stores, Salons, Boutiques, Restaurants
Attributes: Location-dependent, daily cash flow, limited scalability, often reliant on community reputation
Service Based Businesses
Examples: Courier & Delivery Services, Car Rental & Leasing Services, Consulting firms, Event management
Attributes: Revenue based on service capacity, customer retention is key, sensitive to economic cycles.
'' Running A Business Is Hard Enough, Accessing Capital Shouldn't''
How Recapss Works for Business That Create A Credit Profile
- Application + Business Integrity Test (BIT)
- Profile Activation
- Live Financial Infrastructure
- Investor & Institutional Access
- Performance = Growth
Application + Business Integrity Test (BIT)
Businesses apply by completing an initial screening and taking the BIT. If they pass, they either enter an Investment Readiness Program (for startups) or a Revenue-Share Escrow Track (for retail businesses).
Profile Activation
Each approved business receives a dedicated Recapss Funding Profile, which includes: $25k investment capital $25k private credit Dedicated banking account Assigned financial adviser
Live Financial Infrastructure
The profile tracks locked and unlocked liquidity, creditworthiness, asset pool value, debt performance, and financial health. Data is collected in real-time via APIs, POS systems, or manual uploads.
Investor & Institutional Access
The profile connects businesses directly to a curated investor pipeline, allows for syndicated investments, and supports optional third-party financing.
Performance = Growth
As a business performs well (in sales, repayments, asset strength, etc.), the profile automatically grows in value and funding capacity.
Recapss Funding Profile Is Recognised By A Number Of Growing Partners
Businesses that successfully establish a Recapss Funding Profile gain direct access to tailored capital from Reform Capital Solutions, and also through our extensive network of credit partners and investors. This profile serves as a powerful financial gateway, allowing businesses to secure funding seamlessly and efficiently.
The Recapss Funding Profile is trusted by institutional lenders, banks, funds, unions, investors, and private creditors who rely on our robust credit evaluation infrastructure to make informed funding decisions. By leveraging this system, businesses can access capital without the usual barriers of collateral, excessive paperwork, or stringent bank requirements—streamlining the path to financial growth.
We Have Very Simple Entry Requirements
Businesses must undergo our Business Integrity Test (BIT). Those that pass gain exclusive access to a Recapss funding profile, unlocking direct capital, a powerful investment network, expert guidance, and a streamlined, hassle-free fundraising process.
Guided Growth & Capital Optimisation
Every business onboarded to establish a Recapss funding Profile is assigned a dedicated Advisor, who works closely with the team to evaluate business processes and provide strategic guidance. Their role is to enhance operational efficiency, optimize financial practices, and strengthen creditworthiness—ultimately improving the business’s eligibility for higher Capital limits..
Beyond credit activity, businesses are assessed using our proprietary SIMPLE framework, which measures operational efficiency, growth potential, and financial discipline. This structured evaluation ensures that funding is allocated to businesses with sustainable models, a clear path to profitability, and the ability to leverage financing for long-term success.
By integrating structured credit-building, global financial access, and qualitative business assessments, the funding profile is revolutionizing business financing—making capital more accessible, efficient, and growth-driven for entrepreneurs worldwide.
The Recapss Funding Profile Is A Triangle Of Value For Businesses, Institutions & The Ecosystem.
For Businesses
A faster, more convenient path to financing with direct capital access & an investor-ready profile.
For Institutions
De-risked investment opportunities backed by real-time business insights & credit scoring.
For the Ecosystem
More funding leads to stronger businesses, better innovation, and economic growth.
Frequently Asked Questions.
The Recapss Funding Profile is a one-stop financing ecosystem that helps businesses access capital seamlessly. It connects businesses with direct funding from Reformed Capital Solutions, facilitates larger capital from investors and credit partners, and provides strategic financial guidance to optimize fundraising.
Businesses undergo a Business Integrity Test (BIT) to qualify. Once approved, they receive a structured funding profile with access to:
- Instant credit lines
- Direct business financing
- Investor and credit partner networks
- Fundraising advisory
- Long-term capital support
Any legally registered business that meets our integrity test requirements can apply. This includes startups, cash flow businesses, and scalable enterprises looking for debt or equity financing.
The entire process takes avaragely one month, depending on the business’s category. The process includes due diligence, background checks, advisor assignment, and agreement finalization.
Businesses can access up to:
- $25,000 in direct financing from Reformed Capital Solutions (convertible note for startups or direct debt for cash flow businesses).
- $1M+ in additional funding from our credit partners and investor network.
Cash flow businesses can access the $25K as a line of credit, working capital, or business loan. However, their business must mark at least 10% of the amount in net revenue before they can utilise the capital
We co-invest $25,000 in high growth startups or scalable businesses in a larger $100,000 ticket size. The team must source other investors exclusively from our investment partner network to complete the investment round within a 6 months period.
Recapss Credit Profile Is Business Financing Grossly Simplified
The Recapss Funding Profile is designed to eliminate the complexities of traditional business financing, making access to capital faster, easier, and more efficient. By leveraging a streamlined credit evaluation process, businesses can establish a recognized financial profile that unlocks funding opportunities without the burdens of collateral, excessive paperwork, or lengthy approval timelines. With a Credit Clearance Note (CCN) issued upon approval, businesses gain instant credibility with a network of commercial banks lenders, private equity, hedge funds, and about 20 more variations of lenders —allowing them to secure the capital they need to grow, scale, and thrive seamlessly.
To begin the process, business owners or representatives must fill out an Interest Form on our website. Once submitted, a company representative will reach out to schedule a quick process tour. Businesses must meet three key requirements to proceed:
- Business Overview – A clear summary of operations, market position, and financial standing.
- Business Legitimacy – Proof of registration and compliance with regulatory standards.
- Letter of Interest (LOI) – A signed document indicating interest in establishing a Recapss Credit Profile.
We categorize businesses into three distinct classes, each with a tailored approach to establishing their credit profile:
- High-Growth & Scalable Businesses
- Brick & Mortar Retail Businesse
- Service Based Companies
All business classes—except Asset-Heavy & Infrastructure Ventures—must complete a Pre-Onboarding Business Integrity Test. This test assesses three critical factors:
- Credit & Repayment Integrity – Evaluating the company’s financial discipline and repayment reliability.
- Daily Business Activity – observing the day to day activities of the business team, learning how they overcome little or large challenges and correlation it with their comprehensive goals to see how much it aligns.
- Future Growth Potential – Analyzing scalability and long-term viability.
The Business Integrity Test typically takes two weeks to complete. Upon successful completion, we proceed with establishing the Recapss Credit Profile. Every business is assigned a dedicated advisor. The advisor is responsible for:
- Managing our investment portfolio in your company
- Evaluating business operations and financial health.
- Advising on investment and capital readiness strategies.
- Monitoring company trajectory to optimize financial positioning.
- Facilitating capital access from our credit & investment partners.
The entire process of setting up your fund profile after scaling through the business integrity test takes a standard 2 week, after which all benefits of the funding profile will be fully accessible instantly.
To mitigate risk, we employ robust risk management buffers that protect against total capital liquidation in case of unforeseen repayment challenges.
Our ultimate goal is to establish a credible, alternative financing model that enhances capital accessibility while maintaining high-quality portfolios. Our model empowers businesses with scalable capital solutions, creating a sustainable and efficient financing ecosystem.
We thought to create a one-stop ecosystem for business financing where nothing is out of reach—not capital, not investors, not the tools to execute exceptional fundraisers. And so, we created the Recapss Funding Profile.
- Owi Philip Idoko
Executive Lead At Reform Capital Solotions
Frequently Asked Questions II
The BIT is a two-week assessment that evaluates a business’s credit integrity, financial trajectory, market fit, and leadership team. Businesses must provide:
- Business registration documents
- Regulatory approvals (if applicable)
- Valid IDs of top equity holders
Businesses that fail the test can reapply after 3 months. Those placed on “Hold” status may be re-evaluated after further assessment.
- Instant access to a $1,000 revolving credit line
- $25K in pre-loaded business financing
- $1M+ in additional capital from credit partners and investors
- No collateral required for extended financing
- Personalized fundraising advisory
- Increased credibility with financial institutions
Institutional lenders and investors rely on Recapss funding profiles as a creditworthiness evaluation tool and an investment readiness gauge to make informed funding decisions.
Yes! Lenders, banks, VCs, hedge funds, and private credit firms can subscribe to our infrastructure to access verified funding profiles and make risk-mitigated funding decisions.
Businesses can apply directly via our website by submitting the necessary documents and beginning the Business Integrity Test process.
Explore Our Knowledge Resources
We Changed Our Name and Our Mission
We recently rebranded from Backerscc to Reform capital solutions to reflect our new mission.
We Are Expanding Our Team!
We are hiring new talents to join us in. the mission to build the future of capital accessibility in Africa. Find out about our open roles
We want Our footprints on 1M Businesses
By 2030, we plan to have impacted over one million businesses via our tailored capital solutions. Her's how we plan to do it.
Reform Capital Isn’t Just A Funding Solution—We Are Your Growth Partner
We are your growth partner, providing businesses with the capital, support, and ecosystem they need to scale and succeed.
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