Disclosures
Important information about our services, tools, and financing inquiries.
Optioning does not provide tax advice, legal advice, or investment advice. The information provided on this website, including all calculators, articles, glossary entries, and educational content, is for informational purposes only and should not be construed as professional advice.
You should consult with a qualified tax professional, attorney, or financial advisor before making decisions about exercising stock options, applying for financing, or taking any action based on information from this website.
Estimates only. Our stock option tax calculator and other financial tools produce estimates based on the inputs you provide and current tax parameters. Actual results may differ.
Federal and state taxes. Our calculator includes federal tax calculations based on the Internal Revenue Code as amended by the One Big Beautiful Bill Act (OBBBA, signed July 4, 2025). State tax calculations use simplified rate approximations and may not account for all state-specific deductions, credits, or local taxes.
AMT calculations. Alternative Minimum Tax estimates are based on the information you provide. Your actual AMT liability depends on your complete tax situation including other AMT preference items not captured by the calculator.
QSBS eligibility. Section 1202 (Qualified Small Business Stock) eligibility assessments are preliminary. Actual eligibility depends on factors including the company's gross assets at the time of issuance, active trade or business requirements, and holding period verification — which require review of company records.
Tax law changes. Tax parameters are updated based on IRS Revenue Procedures. Between updates, new legislation or IRS guidance may affect the accuracy of calculations. Check the tax year shown in the calculator and confirm current rules before relying on an estimate.
Inquiry only. The current public flow collects a financing inquiry for review. It does not provide an instant quote, approval, commitment to fund, or promise that a particular product or structure is available.
Illustrative structures. Educational comparisons of loan-style and value-sharing structures are not offers or terms. Any future proposal would require eligibility review, applicable legal and compliance review, and definitive documents.
Recourse and downside. Do not infer recourse, repayment, collateral, or downside treatment from an educational example. Those obligations would be governed only by the final agreement for an actually available structure.
Tax implications of financing. Stock option financing may have tax consequences including but not limited to: constructive sale treatment, recognition of ordinary income or capital gains, and loss of ISO favorable treatment depending on the financing structure. Consult a tax advisor before proceeding.
No approval. Submitting an inquiry or application does not guarantee review timing, eligibility, approval, terms, or funding.
The application uses authenticated access controls and the transport and storage protections of its configured service providers. No statement on this page should be read as a security certification or guarantee. Avoid uploading information that the application has not requested.
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The financing inquiry and educational examples on this website do not constitute an offer, approval, or commitment to fund. Product structure, licensing, registrations, supported jurisdictions, and required disclosures must be confirmed before any financing product is offered.