This is a common enough situation that there are companies that will loan you the money to help pay for options and deal with tax liability, using the shares as

This is a common enough situation that there are companies that will loan you the money to help pay for options and deal with tax liability, using the shares as collateral. I haven’t used one myself and am not a lawyer or financial advisor. One for instance: https://www.esofund.com/blog/exercise-loan https://www.esofund.com/blog/exercise-loan