Can You Borrow Against RSUs?
Many technology employees and founders hold a large portion of their net worth in company stock or RSUs.
As those holdings grow, some people begin looking for ways to access liquidity without immediately selling shares.
What are RSUs?
Restricted Stock Units (RSUs) are shares granted by a company that typically vest over time.
Until vesting occurs, employees generally do not fully own the shares.
Can unvested RSUs be used as collateral?
Usually not.
Because unvested RSUs are conditional and not fully owned assets yet, they are generally more difficult to pledge as collateral.
What about vested shares?
Once shares are vested and fully owned, eligibility may depend on:
- Liquidity
- Trading restrictions
- Concentration risk
- Public market status
- Brokerage support
Exploring potential access
If you are evaluating this type of strategy, you can use the AccessInvested calculator to estimate potential access levels: