Currently accepting a limited number of early borrowers. Join the waitlist →
Option Exercise Financing

Don't let your options expire because of the cost.

MoveWealth provides recourse financing for startup employees who need capital to exercise their vested stock options. Instant underwriting, no equity stake.

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What financing really costs you
Forward Finance Contracts
25–30%
of your equity at exit
MoveWealth
Flat fee
Transparent pricing. No equity stake.
The math: On a $300K exit, a forward finance contract costs you $75K+ of your own proceeds. MoveWealth charges a flat fee period.
24 hrs or less
to underwrite
100%
Equity retained
How It Works

From application to exercised options,
faster than you think.

Step 01
⚡

Apply in minutes

Share your employer and option grant details. Our AI assists the process minimal manual entry required.

~3 minutes
Step 02
🧠

Underwriting

We analyze your income, assets, and employment situation alongside your company's financial profile. Every file is reviewed before a decision is issued.

24 hours or less
Step 03
📋

Receive your offer

Review your loan offer and select your repayment term. Sign electronically and receive funds within 1–2 business days.

Flexible terms
Step 04
📈

Exercise & repay

Proceeds go directly to exercise your options. Repay on your schedule. When you're ready to sell, we can connect you with secondary market resources.

Keep 100% of upside
Option Value Calculator

What are your options actually worth?

Enter your grant details to see the cost to exercise today, what your equity is worth now, and what it could be worth in five years.

Found in your option grant agreement
Your company's most recent 409A valuation
Used to estimate a reasonable 5-year growth scenario
Your Option Snapshot
77%
of startup employees never exercise their vested options
$90K
average cost to exercise vested options at a Series B+ company
90 days
standard window to exercise after leaving before options expire permanently
Enter your grant details to see what your equity is actually worth.
Cost to exercise today
Strike price × vested options
Current value of your equity
FMV × vested options
Paper gain today
Value minus exercise cost
Estimated value in 5 years
Based on a reasonable growth scenario for your stage

Growth estimates are illustrative only and not a guarantee of future value. Actual outcomes depend on company performance, market conditions, and liquidity events. This is not investment advice.

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How MoveWealth Works

Recourse financing. No equity participation. Ever.

We believe you deserve to understand exactly what you're signing before you sign it.

📅
You repay on a schedule not at exit
Unlike forward finance contracts, you repay MoveWealth over time from income not as a percentage of your exit proceeds. This keeps your fee low and your upside fully yours.
🔒
Your shares are pledged as collateral, not transferred
You remain the legal owner. You can sell at any time. We simply ask to be repaid from proceeds first.
💸
Proceeds go directly to the issuer and IRS
Loan funds are disbursed directly to your company for the exercise cost and to the IRS for applicable taxes. Purpose-built not discretionary cash.
Early Access

Be among the first
to exercise smarter.

We're onboarding a first cohort of borrowers. Join the waitlist and we'll be in touch within 48 hours.

Reserve your spot.

Tell us a bit about your situation. No commitment required.

No spam. No commitment. By joining you agree to our Privacy Policy and Terms.

🎉

You're on the list.

We'll reach out within 48 hours. Refer colleagues at other Series B+ startups to move up the queue.

#247 your current waitlist position

Share your link to move up:

✓ Each referral moves you up 5 spots
✓ First borrowers get locked-in early-access pricing
✓ Your referrals get early access priority too
FAQ

Common questions.

When you leave a startup, you typically have 90 days to exercise your vested stock options or they expire permanently. This is called the post-termination exercise window. After that deadline, your options are forfeited with no compensation regardless of how much they may be worth.
Yes. MoveWealth provides recourse financing specifically designed for exercising vested startup stock options. Unlike non-recourse competitors who take equity at exit, MoveWealth charges a flat fee you keep 100% of your shares.
Forward finance contracts (offered by non-recourse lenders) take 25–30% of your equity at exit in exchange for covering your exercise cost. MoveWealth is a recourse loan repaid over time from income not from your exit. You keep 100% of your upside.
No. Your shares are pledged as collateral but never transferred. You remain the legal owner and can sell at any time. Non-recourse competitors take 25–30% equity participation at exit meaning they own a portion of your IPO upside.
MoveWealth serves employees at Series B and later stage companies with strong institutional backing and active secondary markets. We're built for employees at well-funded startups in AI, SaaS, fintech, and developer infrastructure the companies most likely to have a meaningful liquidity event.
MoveWealth is a purpose-built option exercise loan not a general personal loan. Proceeds are disbursed directly to your company for the exercise cost and to the IRS for applicable taxes. Your shares serve as collateral and you repay over time.
The 90-day window is the standard period after leaving an employer during which you must exercise your vested stock options. After 90 days, ISOs expire or convert. If you're approaching this deadline, MoveWealth can move quickly underwriting takes 24 hours or less.
Yes. MoveWealth serves both current employees with expiring options or upcoming liquidity events, and employees who have recently departed and are within their exercise window. You don't need to have already left to qualify.