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Holding shares in a Unicorn or a Pre-IPO company is prestigious, but it doesn't pay the bills today. Vardhman Finance allows you to unlock the cash value of your unlisted shares without selling them.
We also fund the 'Exercise Price' and 'Tax Liability' for employees who want to convert their Vested Options (ESOPs) into shares but lack the upfront capital. This ensures you don't lose out on your hard-earned equity.
Retain ownership, gain liquidity.
Don't sell early. Hold your shares until the IPO listing pop to maximize your wealth.
Exercising options now starts the clock for Long Term Capital Gains (LTCG), saving you tax later.
Shares are held in a secure demat account or trust structure until repayment.
Pay only interest during the tenure. Principal can be paid upon sale of shares post-listing.
Must be a late-stage startup (Series C+) or filing for IPO soon.
Minimum value of vested options/shares should be ₹25 Lakhs.
Shares must be Dematerialized or transferable.
Current/Ex-Employees, Founders, or Early Angels.
Risk-based pricing for private assets.
Discreet and Efficient.
Submit details of company and holding.
Our internal team assesses the share price.
Shares pledged to our Demat account / Trust.
Loan amount credited to your bank account.
We are one of the few lenders in India actively underwriting unlisted risk. We understand the startup ecosystem and the value of your paper wealth.
Generally, we structure deals to avoid daily margin calls on unlisted shares.
We help you find buyers for secondary sales when you want to exit.
