Don't let a corporate blackout wipe out your life savings.
You spent years building the company. Now, a surprise paperwork freeze and a 90-day window are standing between you and your equity. We compare financing options side by side and surface competing terms, like NerdWallet for equity financing, so you keep leverage and choose on your terms.
- Model costs across self-funding, loans, forwards, and secondary sales.
- Community reviews from equity holders who have been through it.
- Collective demand signal against isolated lender pricing.
No commitment. Your entry adds to a collective pool lenders cannot ignore.
in fully vested options forfeited in a single year.
Nearly 50,000 employees walked away from options they had already earned. The average loss: $47,000 per person. Not because the options were underwater. The 90-day exercise window ran out.
Workers Affected
~50K
Avg. Loss / Person
$47K
Exercise Window
90 days
Median Time to IPO · Jay Ritter, U. of Florida ↗
Companies used to go public in 5 years. Now it takes 13+. The 90-day exercise deadline never changed.
Use the public workflows before you hand over leverage.
Free. No account needed. Model the downside, inspect provider terms, and compare structures before you speak to anyone trying to price your urgency. The full app goes deeper.
Run the equity modeler
Compare self-funding, non-recourse loans, forwards, tender windows, and direct secondary paths before you commit capital.
Open The ModelerBrowse the provider directory
Browse active providers by structure, seller focus, and approval requirements. Each profile includes community reviews from equity holders who have worked with them.
Open The DirectoryCompare providers side by side
Build a compare set, inspect fees and approval friction, and share a single URL instead of juggling multiple tabs.
Open Provider ComparisonShould you exercise?
Answer 5 questions about your equity, timeline, and goals. Get a personalized recommendation with the right strategy, tools, and providers for your situation.
Take The AssessmentNot sure where to start?
Understand the vehicles before you pick one.
ISOs vs NSOs, non-recourse loans, exercise windows, tender offers. Free, no account needed.