Hi, my SO left her startup in Dec 2020 after only being there for 3-4 months. They offered her a vested share plan where she was given the option to buy shares in the company. A certain number of options vested starting March 2021 and she was given the opportunity to purchase 10,000 options @ .72 c per option (7.2k all together) and she, adhering to the advice of her dad, decided to purchase all the options and put down the 7.2k. Starting in March 2021 every 45 days, 625 options would vest, allowing her purchase them. She originally thought she had 90 days to purchase all the options, but what it seems to be is that after 90 days, the options roll back into the company and are unavailable to her. So is she really out $6,750 because of this? Unreal. I don’t see how the company would allow her to buy up to 10,000 but realistically she only had the opportunity to get 625 of them. Are we missing something? Thanks in advance.
From what you write it sounds like she is out the money. The company didn’t know she would leave so early (and honestly they don’t care). It is unusual for an employee to actually pay for options from their employer. At lease in the US the options are usually given to the employee and then once they vest the employee can exercise (pay for them) and sell or hold. Typically once you terminate employment you only have 90 days to exercise any vested options or you lose them. Your situation sounds a little weird because if she paid for the options she shouldn’t lose them (although the company could write the plan this way. Google what happened to Skype employees. They lost even vested options and got totally screwed). Sounds like maybe you aren’t in the US?
So most startups you can usually pre-excersise your options. Means you can buy the un-vested options at the strike. This is how founders make un-taxed millions. They exercise when their company is worthless and most will be there 4+ years so any exit is basically untaxed.
Now when you leave a company you stop vesting even if it is before the 90days. What happens if you pre-excersise is the company should “buy” back the options she exercised but didn’t vest. I’d have her call Carta and get an answer. They are pretty good thats why most startups use them these days
This seems like maybe a clawback. It’s interesting that she bought AFTER leaving the company. I don’t really see that happening a lot. This maybe helpful.
https://www.forbes.com/sites/dianahembree/2018/01/10/startup-employee-alert-can-your-company-take-back-your-vested-stock-options/amp/
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