Exercising & financing

Preparing to use EquityBee — what to get ready first

EquityBee is about the cash side of equity — funding the cost of exercising your options. Here's what to understand before you engage.

Part of our guide to what it costs to exercise your options.

EquityBee is a marketplace that connects employees who want to exercise their options but lack the cash with investors who fund the exercise (and sometimes the tax) in return for a share of the future proceeds. We're not affiliated with EquityBee, and the exact terms change — check directly. This is an independent guide to getting ready.

When this kind of help is relevant

It's aimed at employees who have vested options worth exercising but not the cash — or who face a large tax bill to do it. Investor funding can cover the strike and the tax so you don't pay out of pocket, in exchange for a slice of the upside if the company has a good exit. It can unlock an exercise you couldn't otherwise afford — but the funding isn't free, so the terms are the whole story.

What to get ready first

Weigh the cost against the alternative

Funding shifts the risk and cost of exercising — it doesn't remove them. For some people it's the only way to avoid letting valuable options expire; for others, exercising less, or waiting, is cheaper. There's no universal answer — model your own numbers and take advice before committing. (See what to do when you can't afford to exercise, and preparing to use Secfi.)

Thinking about selling?

It's worth understanding what you hold, what it might be worth and how a private transfer works before you act. Start with the free equity starter kit, or go deeper with the equity toolkit.

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Prefer to read up first? The Equity Toolkit (€39) walks through clearing restrictions and running the sale, step by step.

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Further reading

General, independent references on how private-company shares and options work. We're not affiliated with any of them.

How we keep this accurate. We write from primary sources — official tax authorities (HMRC, IRS), financial regulators (FCA, SEC) and company filings — date every page, and review them regularly. This is independent, educational information, and deliberately not a substitute for professional tax, legal or financial advice on your own situation.

General information only — not financial, tax or legal advice. Every situation is different; check your own share and option agreements and take professional advice before selling. PrivateTechShares is an education and tools service: it is not a broker or marketplace, does not introduce buyers and sellers, does not hold funds, and does not execute or advise on transactions.