Unlock the value of your options and take control of your financial future
Why Collective?
the tools you need to free your wealth
- Reduce Risk
- Obtain Liquidity
- Transact Immediately
- Minimize taxes
Risk Reduction
Exchange Fund
Exchange your shares tax-free into the Exchange Fund, a diversified portfolio of leading unicorns
Exchange your shares tax-free into the Exchange Fund, a diversified portfolio of leading unicorns
- Create long term wealth from a diversified portfolio of leading unicorns
- Reduce the risk of being over concentrated in a single stock
- Diversify without incurring taxes
Liquidity
Exchange Loan
Borrow non-recourse and tax-free to potentially generate more after-tax liquidity than a stock sale
Borrow non-recourse and tax-free to potentially generate more after-tax liquidity than a stock sale
- Get immediate liquidity without triggering capital gains taxes
- Exchange Loans are non-recourse so you never have to come out of pocket to repay them
- Retain long term upside from a partnership interest in the Exchange Fund
Options Exercise
Options Exercise Loan
Borrow the money you need to exercise your options interest free
Borrow the money you need to exercise your options interest free
- Exercise your options without having to come out of pocket
- Options Exercise Loans are interest free and have no stock fee
- Seamlessly integrated into Collective's liquidity and risk management solutions
Instantly see the value of your shares or options
Value your stock
Compare the after-tax liquidity from an Exchange Loan to a stock sale
Exchange Loan vs. Brokered Stock Sale
Exchange Loan
Brokered Stock Sale
Exchange Loan
Learn what your shares or options are worth today
Success Stories
Our customers love Collective
Lower fees
“I needed to liquidate some of my private company stock to take care of family members. Collective was willing to purchase my shares without charging a broker fee. That meant that I kept a lot more of my sale proceeds. Plus, the process was quick and simple and incredibly smooth.”
Amazing customer service
“Collective Liquidity was amazing! They made a complicated equity transaction happen quickly and smoothly. I couldn’t be more grateful for their positive, open, and transparent process. They really listened to my goals and together we came up with a creative solution to achieve those goals. Then they worked tirelessly to connect the dots and make it happen.“
Easy Diversification
“I chose Collective Liquidity because all of my private company stock was locked into a single company. Collective Liquidity offered an easy way to diversify my equity holdings, and at the same time giving me access to liquidity whenever I needed it. I got an offer immediately and their process was very straightforward. I've worked with other secondary share markets in the past and I can say Collective was the quickest and most painless experience. My Collective rep was very knowledgeable and managed the process for me every step of the way.”
Amazing customer service
“After I was impacted by a layoff, I was looking to monetize a portion of my vested options to reduce my risk. I found Collective Liquidity and never looked back. I really appreciated their liquidity calculator – it enabled me to really compare Collective’s offer with other options. The Collective team was extremely professional, efficient, and the process was simple and well-orchestrated.”
No capital gains tax
“After 5 years of working diligently at the same company I had accumulated meaningful value in stock options. However, the timing of a liquidity event was unclear and my inability to influence the outcome had me worried. The Collective Exchange Fund empowered me to take control over the situation by diversifying my over concentration without triggering a capital gains tax.”
Liquidity and continued upside
“In 2023, the tech market had a significant correction. I still believe in my company, but there is more risk now. I didn't want to sell all my pre-IPO shares and give up future upside, but I knew I needed to reduce my risk by diversifying. That's why I chose Collective Liquidity. I wasn't 100% ready to cash out, but I wanted to add some stability to my net worth. Collective enabled me to achieve both immediate cash and long term wealth creation.”
Instantly see the value of your shares or options
Value your stockOur Target Portfolio
Targeting the most exciting unicorns backed by the best VCs
Which of the major private market liquidity alternatives is best for you?
Exchange Loan, Tender Offer, Brokered Sale or Stock Loan?
| Objectives | Exchange Loan | Tender Offer | Brokered Sale | Stock Loan |
| Maximize Short Term Cash | ||||
|---|---|---|---|---|
| Minimize Taxes | ||||
| Minimize Expenses | ||||
| Maximize Long Term Appreciation | ||||
| Minimize Risk | ||||
| Minimize Time and Headache |
Learn what your shares or options are worth today
Value your stockBenefits
Combining an exchange into Collective's Exchange Fund with a non-recourse Exchange Loan can reduce your risk of holding a single stock, deliver dramatically more after-tax liquidity and is faster than a stock sale.
Faster & Easier
Compared to a stock sale which requires you to connect with a broker, find a buyer, negotiate price, and draft transaction documents, an Exchange Loan is fast and easy. The online process takes just five minutes to complete.
Minimize Taxes
Stock sales can trigger taxes totalling up to 46% of your sale proceeds, but neither an exchange of shares into the fund or an Exchange Loan trigger capital gains tax.
Long Term Wealth
Unlike a stock sale, an exchange of shares into the fund gives you long term upside on a portfolio of leading unicorns (and still gives you access to liquidity when you need it).