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Don't let your hard-earned equity expire. With exercise financing we can cover the cost of exercising:
We've helped employees from leading companies
Exercising your options means buying them at a set price, plus paying a tax bill upfront. For most, that can be tens of thousands out of pocket.
Draining personal savings can be risky, and the 90-day clock doesn’t wait. We have seen many employees decide to walk away leaving potential upside on the table.
Get financing to cover the cost of buying your shares and the taxes associated with that, zero cash down, and secured by the shares. You can keep the upside and only repay if there’s a successful exit.
Your situation is unique. During your intro call, you’ll meet with an equity strategist who will get to know you and understand your needs.
Your proposal outlines the potential outcomes, associated costs, and fees for the financing. The proposal aims to provide you with a clear picture of the potential benefits and obligations involved so you can make an informed decision.
We’ll provide a contract that outlines the terms and conditions of the financing. This step formalizes our agreement and ensures transparency about the process and expectations.
Depending on your specific situation, we will either wire the funds directly to your company to cover exercise costs or transfer them to you for liquidity or to pay your taxes.
Employees at over 150 companies have trusted Secfi to help them keep the equity they earned
$800M
financed**
62K
users**
175
companies with financed employees**
Testimonials are specific to an individual Client’s experience and may not be representative of all Clients. Unless otherwise indicated, Clients offering a Testimonial do not receive compensation and their statement does not present a conflict of interest.
What are the eligibility requirements?
Anyone can submit a request, but we typically work with later-stage companies. Ideally, you hold equity in a company expected to exit within a few years., with $150M+ ARR, and $1B+ valuation. We encourage you to submit a request so our team can review your eligibility.
How does Secfi make money?
Three components, disclosed up front in your estimate: a platform fee, an advance rate on the capital provided, and an equity share of the value at exit. Our largest fee is tied to your exit value.
What happens if my company never exits?
We hope that’s not the case, but if it happens you owe nothing. No exit, no repayment - simple as that.
How do I avoid paying AMT when exercising ISOs?
You can potentially avoid paying AMT by only exercising up to your AMT crossover point - Which is the number of options can exercise in a given tax year without triggering AMT. The timing of the exercise, the spread between the stike price of your options and the current FMV and the quantity of ISO options you’re looking to exercise are the main levers to determine this.
Do ISO exercises always trigger AMT?
No — only if the spread across your exercises pushes your AMT liability above your regular tax bill. Smaller exercises or exercising ISO options with a smaller spread can allow you to staying below your crossover point so AMT will not be owed.