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Quid vs Accumulator

Loan-based cash-outs often require shares to be pledged as collateral potentially up to the full position. Annual interest and fees may affect net outcomes 1

1. Check how Accumulator's Equity Pooling model compares to a loan-based cash-out across interest and fees.

Accumulator

Loan based cash-out 4

Cash-out structure  2
Direct
Loan
Cash-out fee (one-time)
12.5%
up to 20%
+ Annual Interest rate
—
up to 15%
Shares Collaterall / Risk Exposure  3
0%
of shares
100%
of shares


1 Loan-based structures vary by provider and jurisdiction. Collateral requirements, interest rates, and fees depend on individual agreements and market conditions and may differ materially from the general examples shown.

2 Cash-out is achieved through gradual portfolio pay outs which are not guaranteed and depend on performance and market conditions.

3 0% reflects Accumulator structural design, which does not require pledging shares for loan-based instrument. Other providers may apply partial or conditional collateralization depending on product design.
‍
4 Information above is based on loan based cash-out solutions for private tech market shareholders and publicly available materials as of December 15, 2025 and may vary. All numerical examples are illustrative estimates, not predictions , and depend on stated assumptions. This content is for informational purposes only and is not investment, legal, or tax advice. Prospective participants should verify all current terms direcrtly with each provider. Actual costs may be lower or higher depending on provider, credit terms, duration, collateral, and market conditions.

2. Before committing, review potential single-asset risk exposure.

Accumulator

Diversification through Late-stage icons based on current valuations 5

Loan based cash-out

Risk exposure concentrated in a single underlying
asset

Single asset risk
preserved


5 Portfolio diversification does not eliminate risk and does not guarantee improved liquidity, valuation, or outcomes. Actual results depend on portfolio composition, market conditions, and execution.

3. Accumulator vs. Loan based solutions: Side-by-Side Comparison

Fees

Based on publicly available information, loan-based cash-out structures may include an annual interest rate of up to 15% and cash-out fees of up to 20%, depending on applicable terms and duration.

Accumulator 6

Loan based cash-out

Management Fee
0%
0%
Annual interest rate on loan
0%
up to 15%
+ Cash-out fee (one-time)
12.5%
up to 20% 7


6Accumulator does not charge loan interest as it does not provide loans. Other economic considerations, including pricing assumptions and transaction structures, may apply.

7 Information above is based on loan based cash-out solutions for private tech market shareholders and publicly available materials as of December 15, 2025 and may vary. All numerical examples are illustrative estimates, not predictions , and depend on stated assumptions. This content is for informational purposes only and is not investment, legal, or tax advice. Prospective participants should verify all current terms direcrtly with each provider.

Diversified portfolio vs single asset risk concentration

Portfolio structures affects volatility, downside exposure, and liquidity.

Accumulator

Loan based cash-out

Risk profile
Diversified late-stage icons
Single-asset exposure
Liquidity potential
Portfolio-driven liquidity over time
Liquidity tied to single-asset exit
Value Preservation
Lower volatility via diversification
Outcomes driven by one asset

Product Ecosystem

Accumulator is fintech platform designed to solve the core challenges founders and shareholders face.

Accumulator

Loan based cash-out

Exclusive unicorn-founder community
✓
–
Fundraising assistance
Hands-on
–

Cash-out

Loan-based structures add interest and repayment obligations; Accumulator does not use loans. Interest, fees, and repayment obligations may affect net outcomes over time.

Accumulator

Loan based cash-out

Cash-out Fees (one-time)
12.5%
up to 20%
Exclusive unicorn-founder community
0%
up to 15%
Exclusive unicorn-founder community
✓
Impacted by loan repayment
Fundraising assistance
Portfolio distribution
over time
Exit-dependent (single asset)

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This material is provided for informational and comparative purposes only and does not constitute financial advice, investment advice, an offer, solicitation, or recommendation of any product or service. Any comparisons shown are illustrative, based on selected assumptions, and may not reflect all available market alternatives or individual outcomes.
Logos and company names are used solely for illustrative comparison purposes. No affiliation, endorsement, or partnership is implied. Risk exposure characterization is generalized and may not reflect individual provider structures.

1 Loan-based structures vary by provider and jurisdiction. Collateral requirements, interest rates, and fees depend on individual agreements and market conditions and may differ materially from the general examples shown.
‍

Insights

Accumulator Management I, II, IV LLC (the “Investment Manager”) and subsidiaries of Accumulator Holding LLC (the “Holding”) are not registered as investment advisers with the Securities and Exchange Commission or any state’s securities commission. The units of limited partnership interests (the “Units”) in Accumulator Pool I, II, IV L.P. (the “Fund”) are offered through private, non-public placements of Units, and such offerings have not been registered under the Securities Act of 1933, as amended, or under any state securities laws. The Units are sold for investment only pursuant to an exemption from registration with the Securities and Exchange Commission and in compliance with any applicable state or other securities laws.

The materials on this website are intended to be general background information on the Investment Managers, Funds and their activities. The information is supplied in a summary form and is therefore not necessarily complete.

Nothing on this website should be construed as an offer, invitation or recommendation in respect of any of the Investment Managers’, Holding’s or Funds’, or a solicitation of an offer to buy securities of any of the above mentioned entities in any jurisdiction. Nothing on this website shall form the basis of any contract or commitment.

No information on this website is intended to be relied upon as advice to investors or potential investors and does not take into account the investment objectives, financial situation or needs of any investor. All investors should consider such factors in consultation with a professional advisor of their choosing when deciding if an investment is appropriate.

All statements of opinion or belief on this website and all views expressed and statements made regarding future events represent Investment Managers’ own assessments and interpretations of information available to them. No representation is made, or assurances given that such statements or views are correct or that the objectives of the Funds will be achieved. Investors must determine for themselves what reliance (if any) they should place on such statements, views or forecasts, and no responsibility is accepted by the Investment Managers, Holding or Funds in respect thereof.

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