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
Cyera financing estimate
SAMPLE ESTIMATE

Our financing adapts to your liquidity needs

You hold 100,000 vested ISOs at $0.5 strike price and are looking for money to cover the exercise

Exercise cost
$50,000
Taxes
$112,443
Total exercise cost
$162,443

Secfi can cover the total exercise cost, including taxes

Cash to cover total cost to exercise
$162,443
Fees
$13,286
Total financing
$175,729

In an 1.5x exit scenario, you can take home $196,326 extra thanks to Secfi

Assumptions: Based in New York - Single - $250,000 annual income - 12-month exit

With Secfi financing
$1,117,454
Exercise options now
Benefit from long-term capital gains after 12 months and potential upside
Without Secfi financing
$921,128
Exercise options at exit
Pay short-term capital gains if you sell before 12 months
Difference with Secfi+$196,326
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 Cyera eligible for financing?

Yes. Cyera 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 Cyera 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.
Read more

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Thinking about selling instead?

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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