Tech entrepreneur banking specializes in equity-heavy wealth, stock option management, pre-IPO lending, venture debt, and Silicon Valley ecosystem connections. Unlike traditional banking, it focuses on illiquid assets, rapid wealth creation, and complex equity structures typical of technology companies.

Tech entrepreneur banking minimums range from $1-10 million, often with flexibility for pre-revenue companies with significant equity value. Silicon Valley Bank requires $1M minimum, while Goldman Sachs Tech requires $10M. Banks also consider company valuation, funding stage, and growth potential.

Banks evaluate company valuation, funding history, investor quality, market potential, founder track record, equity ownership percentage, and projected liquidity events. They also consider venture capital relationships, business model scalability, and ecosystem reputation when assessing creditworthiness.

Banks provide stock option exercise financing, tax planning strategies, diversification planning, liquidity event preparation, risk management solutions, and post-exit wealth management. They help optimize exercise timing, manage tax implications, and plan for public company restrictions.

Pre-IPO lending uses private company equity as collateral, typically offering 50-80% loan-to-value ratios at prime + 1-3% interest rates. Banks conduct private company valuations, assess liquidity event probability, and structure loans with flexible repayment terms aligned with IPO or acquisition timelines.

Major tech hubs include Silicon Valley (Palo Alto, San Francisco), New York FinTech corridor, Austin tech scene, Boston innovation cluster, Seattle tech ecosystem, and international markets like London, Tel Aviv, and Singapore. Banks typically have specialized tech teams in these locations.

Banks provide multi-currency banking, international payroll solutions, foreign exchange hedging, global compliance support, cross-border M&A advisory, international tax planning, and local banking partnerships in key markets like Europe, Asia, and Latin America.

Post-exit, banks typically transition entrepreneurs to family office services, ultra-high-net-worth private banking, or institutional wealth management. Services evolve to include diversified investments, tax optimization, estate planning, philanthropy, and multi-generational wealth management.