If the stock price falls below the discounted purchase price, you owe nothing and walk away with zero loss. We absorb any potential losses, ensuring you can only profit or break even.

The Cosecha Guarantee

1. Cosecha deposits loan proceeds directly with your employer.

2. Your employeer disburses amounts to the ESPP custodian for your employee benefit.

3. Stock purchases are made through your company's official ESPP program.

4. Stock are deposited by your employee ESPP custodian directly into your employee ESPP account.

How Cosecha Funding Works

Frequently Asked Questions

Everything you need to know about lump sum ESPP funding and loan terms

How much can Cosecha help fund towards my ESPP participation?

Our funding partners offer assistance up to $25,000 for Employee Stock Purchase Plan participation. The exact amount depends on your employment verification, creditworthiness, and your company's ESPP limits.

How does the lump sum funding work?

You receive a one-time participation amount to purchase company stock through your ESPP at a discount. After the purchase period ends, you sell the stock and repay the principal plus fees. There are no ongoing payroll deductions.

Do I need good credit to qualify?

While credit is considered, our funding partners primarily focus on your employment status with MasTec or Quanta Power and your eligibility for ESPP participation. Stable employment often weighs more than perfect credit scores.

How much profit can I Expect

With a typical up to 15% ESPP discount, a $25,000 funding could yield over $3000 in profit before fees. However, profits depend on your company's actual discount rate, stock performance, and funding fees.

What if the stock price falls?

The ESPP discount provides significant protection against stock price declines. Even with moderate price drops, you typically still profit due to the up to 15% purchase discount. However, stock investments always carry some risk.

Is this legal and regulated?

Yes, completely legal. ESPP participation is an official employee benefit, and all our funding partners are licensed financial institutions. Cosecha is a consultation platform connecting employees with funding alternatives.

Have more questions?

Our team is here to help you understand loan terms and maximize your ESPP investment potential.