Employees with restricted stock units (RSUs) or vested company stock can pledge their holdings as collateral for a loan, creating a secured borrowing arrangement that allows them to access liquidity without selling their shares.

Equity Earn provides low-interest loans at 30% loan-to-value against vesting equity, enabling employees to access immediate liquidity without waiting for vesting or triggering tax events from stock sales. The conservative 30% LTV minimizes margin call risk during volatility, while transforming illiquid future compensation into present-day capital for diversification, expenses, or investments.

Borrowed funds are deployed into automated and risk-protected yield strategies that generate returns—creating net positive cash flow. These strategies typically involve diversified investments, employ downside protection mechanisms, and require no active management from borrowers, allowing your capital to work efficiently with minimized risk exposure.

Manage your investment room and receive updates on your progress in real time through an intuitive dashboard that tracks your loan balance, collateral value, yield strategy performance, and net position. Monitor market changes, accrued interest, and generated returns instantly, maintaining complete transparency and control over your financial position.