Introducing Maeve. AI built for your equity.

Try it now
For Employees
  • Secfi Liquidity
    • Liquidity Solutions For Employees

      Learn about our exercise and liquidity offerings for your options and shares.

    • Secondary Sale

      Get cash by selling your options or shares through our network of buyers.

    • Non-Recourse Financing

      Get the cash you need to own your stock options or gain some liquidity. Repay when your company exits.

  • Secfi Wealth
    • Financial Advice For Employees

      Learn about our wealth management approach for those with equity.

For Executives
  • Secfi Liquidity
    • Full-Service Liquidity Solutions

      Explore our liquidity options tailored for executives. Offering personalized strategies to help optimize your financial outcomes for your equity.

  • Secfi Wealth
    • Full-Service Wealth Management

      Discover our holistic wealth management services, designed specifically for executives to potentially maximize wealth and plan for the future.

  • Employee Benefits
    • Financing For Your Teams

      Learn about our equity solutions to support and empower your team.

    • Equity Education For Your Teams

      Learn about our services to educate your teams on equity, ensuring they are well-informed and can make the most of their equity compensation.

For Investors
  • Secfi Asset Management
    • Secfi Asset Management Overview

      Comprehensive overview of Secfi's asset management strategies and services.

  • Offerings
    • Diversified Funds

      Invest in late-stage startups through Secfi's expertly managed diversified fund.

    • Tailored SMA Vehicles

      Partner with Secfi for customized funds in late-stage private companies.

    • Secfi Secondaries

      Connect and invest in private equity of leading startups via Secfi.

Tools
Introducing Maeve

Introducing Maeve.

AI built for your equity.

Try it now
  • Calculate
    • AMT Calculator

      Exercise incentive stock options without paying the alternative minimum tax.

    • Equity Planner

      Exercise now or at IPO? Sell on the secondary market or hold? Understand your options in less than 5 minutes.

    • Exercise Timing Planner

      Decide whether to exercise your stock options now or later.

    • Stock Options Tax Calculator

      Calculate the costs to exercise your stock options - including taxes.

    • Stock Option Exit Calculator

      See what your stock options could be worth.

    • Equity Compensation Calculator

      Confidently negotiate your equity compensation

  • Insights
    • Private Market Insights

      Value your pre-IPO stock with private market data

Resources
  • Resources
    • Secfi Learn

      Find answers, guides, explanatory videos, and more about your equity and finances.

    • Company Case Studies

      Curated content for employees of the best startups

  • Newsletter
    • Founders & Funders

      Weekly newsletter on what's happening in startups, venture capital, public markets, and more

MaeveNEW
LoginGet started
For Employees
  • Secfi Liquidity
    • Liquidity Solutions For Employees

      Learn about our exercise and liquidity offerings for your options and shares.

    • Secondary Sale

      Get cash by selling your options or shares through our network of buyers.

    • Non-Recourse Financing

      Get the cash you need to own your stock options or gain some liquidity. Repay when your company exits.

  • Secfi Wealth
    • Financial Advice For Employees

      Learn about our wealth management approach for those with equity.

For Executives
  • Secfi Liquidity
    • Full-Service Liquidity Solutions

      Explore our liquidity options tailored for executives. Offering personalized strategies to help optimize your financial outcomes for your equity.

  • Secfi Wealth
    • Full-Service Wealth Management

      Discover our holistic wealth management services, designed specifically for executives to potentially maximize wealth and plan for the future.

  • Employee Benefits
    • Financing For Your Teams

      Learn about our equity solutions to support and empower your team.

    • Equity Education For Your Teams

      Learn about our services to educate your teams on equity, ensuring they are well-informed and can make the most of their equity compensation.

For Investors
  • Secfi Asset Management
    • Secfi Asset Management Overview

      Comprehensive overview of Secfi's asset management strategies and services.

  • Offerings
    • Diversified Funds

      Invest in late-stage startups through Secfi's expertly managed diversified fund.

    • Tailored SMA Vehicles

      Partner with Secfi for customized funds in late-stage private companies.

    • Secfi Secondaries

      Connect and invest in private equity of leading startups via Secfi.

Tools
Introducing Maeve

Introducing Maeve.

AI built for your equity.

Try it now
  • Calculate
    • AMT Calculator

      Exercise incentive stock options without paying the alternative minimum tax.

    • Equity Planner

      Exercise now or at IPO? Sell on the secondary market or hold? Understand your options in less than 5 minutes.

    • Exercise Timing Planner

      Decide whether to exercise your stock options now or later.

    • Stock Options Tax Calculator

      Calculate the costs to exercise your stock options - including taxes.

    • Stock Option Exit Calculator

      See what your stock options could be worth.

    • Equity Compensation Calculator

      Confidently negotiate your equity compensation

  • Insights
    • Private Market Insights

      Value your pre-IPO stock with private market data

Resources
  • Resources
    • Secfi Learn

      Find answers, guides, explanatory videos, and more about your equity and finances.

    • Company Case Studies

      Curated content for employees of the best startups

  • Newsletter
    • Founders & Funders

      Weekly newsletter on what's happening in startups, venture capital, public markets, and more

MaeveNEW
LoginGet started

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Don't wait for your company to IPO

Get the cash you need to exercise options or unlock liquidity.

  • Retain ownership and potential future upside
  • Avoid the risk of a personal loan
  • Help manage your taxes efficiently
Get your estimate
Gusto financing of $352,548 for 60,000 options
SAMPLE ESTIMATE

Our financing adapts to your liquidity needs

You hold 60,000 vested stock options at $3.2 strike price and are looking for money to cover the exercise cost.

Exercise cost
$192,000
Taxes
$282,294
Total exercise cost
$474,294

Secfi can cover the total exercise cost, including taxes

Cash to cover exercise
$474,294
Fees
$29,700
Total Financing
$503,994

In an 1.5x exit scenario, you can take home $296,131 extra thanks to Secfi.

Based on California, Married Filing Jointly, $360,000 annual income and assuming the exit in 12 months

With Secfi Financing
$1,869,687
Exercise options now
Benefit from long-term capital gains after 12 months and potential upside
Without Secfi Financing
$1,573,556
Exercise options at exit
And pay short-term capital gains if you sell before 12 months
Difference with Secfi+$296,131
Get your estimate

Your company is pre-approved
Receive your money in as little as 7 days

We learn your needs

1-2 days

Schedule your free call with our team. We’ll discuss your situation, needs, and answer any questions you might have - no obligation.

You receive an offer

1-2 days

Review a tailored proposal built around your equity situation. All the details are laid out clearly so you can make the best choice.

You receive funds

1-2 days

Sign your contracts and receive cash for liquidity or to exercise your stock options, with all related taxes and fees accounted for.

The contract settles

Upon exit

Settlement happens upon exit, we calculate the total amount owed including the advance rate and equity share.

Get your estimate

What our clients are saying

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.

Frequently asked questions

Is your company eligible for financing?

Yes. Gusto is an approved company, meaning we're actively working with the company's employees. We're helping a number of employees access liquidity without selling shares or waiting for an exit.

What does pre-approved mean for financing?

Pre-approved means Gusto has already been vetted and approved by Secfi, so you can skip the company evaluation phase resulting in a faster process for you.

Does Secfi take ownership of my equity?

Nope. Your shares stay yours, always. We never take control or ownership at any point.

Which product is right for me - Financing or Secondaries?

It depends on several factors, such as your desire to retain share ownership, the availability of a secondaries market for your company shares, company policies on transfers, and whether you need funds to exercise your options or are just looking for liquidity. If unsure, our equity strategists can help you decide.

How does Secfi make money?

Secfi generates revenue through fees associated with our services:

  • Financing: 5% platform fee, an Advance Rate (similar to interest) , and Equity Share (based on your stock’s exit value). Specific rates depend on your company and stock options.
  • Secondaries: 5% transaction fee for brokering the deal and supporting you throughout the process.

Related content

What Gusto’s tender offer means for your equity and your financial future

Gusto IPO: What employees need to know about their stock options and taxes

6 min

Thinking about selling instead?

couple looking at mountain

Explore secondary sales

Sell your shares with access to our network of secondary markets & buyers.

  • Diversify your portfolio
  • Get liquidity for financial needs
  • Receive help throughout the entire process
Learn more