For shareholders of private tech companies

Exercise your options

You earned it, now own it. Optimize taxes, prevent expiration, and pay no equity fees.
Get Started >

Non-recourse loans to exercise vested options

1

Choose exercise amount

Multiply analyzes your equity and gives you an offer. You decide how many options to exercise.
2

Get cash

Your cash is solely for the purpose of option exercise. Money arrives in 1-2 business days after your funding request.
3

Exercise options

Using the cash, exercise your options with your company.*
4

Pay us back

Pay back borrowed funds in four years or when your company goes public or gets acquired, whichever happens first.
Unlock your equity today

For anyone who owns shares at approved private tech companies

Current employees, departing employees, former employees, advisors, and any other shareholder may be eligible.
No personal recourse
Your equity is the only collateral.
No credit checks
No credit checks and no impact to your credit score.
No equity fees
Keep all the upside of your earned shares.

What's the catch?

Draw fee and interest
There’s a cost to borrowing funds. We charge a 3.0% draw fee when funds are borrowed and annual interest.

Our interest rate is a fixed 8.0% plus a floating rate of the three month term SOFR‡. See your borrower agreement for full terms.

We don’t charge an equity fee.
Taxes
Exercising options usually has tax implications. Exercising now may lead to a lower tax obligation when you sell your shares. Consult your tax advisor to understand what this means for you.
Equity Fee
Draw Fee
Interest
Collateral
0%
UP TO
3%†
13.32%†
APR*†
Your equity is the only collateral.
†Lower rates available when Multiply partners with your company.
‡ Our three month term SOFR rate for July 2024 is 5.32%.
© 2024 Multiply. All Rights Reserved. Multiply is not a bank. Loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank.
* Pledging shares may require your company’s permission. Check your equity agreement and obtain any required consent.