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The Pros, Cons, and Payment Terms of Each

How Secfi Financing and Loans work

We provide two ways to help startup employees exercise their stock options or get immediate liquidity from their shares: Secfi Financing and Secfi Loans.

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Know the difference

SECFI FINANCING

Pay later

Own your stock options without paying out of pocket — or at all — until your company exits (such as an IPO).

Go to Secfi Financing

SECFI LOANS

Start paying now

Get the cash you need to cover your exercise costs — and more — with a fixed payment schedule.

Go to Secfi Loans
Secfi financing vs. secfi loans

You’ve got options

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Secfi Financing
Secfi Loans
Payment schedule
Pay back only if your company goes public
Monthly payments until your principal is paid off
Terms
Variable
6, 12, 18, 24 months
credit check
No prepayment penalties
qualification
Based on your company’s growth and exit potential, as well as your equity.
Based on your equity value, liquid assets, and credit history.
maximums
No set maximum
$10 million

As easy as

  • 1

    Sign in and request financing

    Create your Secfi account and add your equity details. We'll review your request. If approved, we'll send you a financing proposal for a cash advance, a loan, or both.

  • 2

    Review and accept your proposal

    Your personal equity proposal includes all details up front, like applicable rates and fees, your potential gains, and your repayment schedule.

  • 3

    Sign contracts and receive financing

    You receive cash to use for liquidity or to exercise your stock options - including related taxes and fees.

The Leader in Equity Planning

Our team of Equity Strategists have worked with thousands of startup employees and equity structures of all kinds.

Planning

If nothing else -- we want you to understand your stock options, and prepare a solid plan for your equity.

Privacy

When it comes to your financial future, security is paramount. Secfi Securities, LLC and its representatives are registered under our broker-dealer license and regulated by Financial Industry Regulatory Authority (FINRA).

Preparation

No surprises here. Our Equity Strategists walk you through your custom financing or loan proposal — including Secfi’s rates and fees — and what each fee means, so you can make confident, well-informed decisions about your equity.

Fine Print

Important Considerations

It's easy to get started