You owe taxes before you can sell. See your cheapest financing option and avoid the traps that cost employees $50K+.
500+
IPO employees helped
5 Options
Financing options compared
$48K
Avg savings with right strategy
Large positions ($500K+) with downside protection
4.5-6.2%
APR
Flexible borrowing with full upside retention
5.6-6.8%
APR
Small gaps under $50K, interest paid to yourself
8-10%
APR
No brokerage account needed, unsecured
7-15%
APR
Last resort only — costs $50K+ more on a $200K bill
18-29%
APR
APR ranges based on current market rates. Your personalized ranking factors in your specific situation.
You owe taxes on shares you cannot sell. The gap between tax due date and lock-up expiry is the crisis window.
Post-IPO stocks frequently drop. Your tax bill stays fixed even if your shares lose half their value.
SBLOC, PVF, 401(k) loans, margin... The wrong choice can cost $50K-$150K more than the right one.
The IRS deadline does not wait for your lock-up to expire. Miss it and penalties stack up fast.
Your personalized IPO survival plan for $29/month.
One engineer saved $48,000 by choosing a PVF over a credit card to bridge their lock-up gap.
+ ISO AMT Calculator · RSU Withholding Calculator · 83(b) Election Tracker · Multi-Year Planner
or $59/year (save $289)
Already have an account? Log in
30-day money-back guarantee · IRS Form 6251 calculations · Cancel anytime
For educational purposes only. Consult a licensed tax professional before making financial decisions.
