Stock Option Financing
Two transparent financing models designed for startup employees. Both are non-recourse — if your company fails, you owe us nothing.
Non-Recourse Loan
Borrow to cover your exercise cost + taxes. Pay back from liquidity proceeds.
Origination Fee5%
Annual InterestPIK (compounding)
Equity ParticipationSmall carry
RepaymentAt liquidity event
Best for
Employees who want to keep most of their upside and are comfortable with a fixed-cost structure.
Profit-Split (PVFC)
We cover your exercise cost. You share a portion of the gains at liquidity.
Upfront Cost$0
Origination FeeNone
Profit Share30–50% of net gain
RepaymentAt liquidity event
Best for
Employees who want zero out-of-pocket cost and are willing to share upside for full downside protection.
Feature Comparison
| Feature | Non-Recourse Loan | Profit-Split |
|---|---|---|
| Out-of-pocket cost | Origination fee | $0 |
| Non-recourse | ||
| Pay if company fails | ||
| Keep full upside | Most (minus fees) | 50–70% |
| Regulatory complexity | Requires lending license | Forward contract |
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