Unit is a banking-as-a-service platform that helps companies embed accounts, cards, payments, and lending through APIs and white-labeled tools. It is a private fintech company focused on simplifying compliance and banking infrastructure for product teams.
Access to pre-IPO shares is available to accredited investors through UpMarket.
Unit shares are not on public exchanges. UpMarket provides accredited investors access through secondary market transactions.
Confirm eligibility under SEC Rule 501 of Regulation D. Income or net worth threshold applies.
Complete KYC/AML onboarding. Typically 1–2 business days. Licensed rep assigned on signup.
Full offering memoranda and risk disclosures provided before any commitment is required.
Review and sign subscription agreement. All documents handled digitally through the platform.
Wire transfer or ACH. $50K minimum. Funds held in custodial account until close.
Pre-IPO investments are illiquid, speculative, and involve risk of total loss of capital.
Unit positions its platform around embedded financial products for software companies, targeting the SMB and fintech software stack. The company says it serves 1,000+ business customers, indicating distribution breadth across a fragmented market.
Unit’s product combines banking, card issuing, and payments so software platforms can launch financial products without building directly with multiple providers. That integration can raise switching costs because customer onboarding, compliance workflows, and transaction plumbing sit inside one embedded stack.
Unit sells into the embedded finance market, where software companies increasingly add banking and payments features to improve retention and monetization. The opportunity expands as more vertical SaaS platforms adopt financial products as a core feature rather than a partner add-on.
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No. As of March 2026, Unit is a private company and does not trade on any public stock exchange. Accredited investors can access Unit shares through UpMarket, a FINRA-registered broker-dealer that specializes in pre-IPO investments.
Unit does not have a public stock price because it is privately held. The most recent known share price comes from its last funding round. Pre-IPO share prices on the secondary market may differ from the last round price depending on supply, demand, and market conditions.
Yes. Accredited investors can indicate interest in Unit shares through UpMarket by filling out the form on this page or creating an account at upmarket.co. All pre-IPO offerings are subject to availability and require a $50,000 minimum investment. UpMarket is a FINRA-registered broker-dealer and has brokered alternative investments since 2019.
Pre-IPO investments carry significant risks. Unit shares are illiquid, meaning there is no public market to sell them quickly. There is no guaranteed exit timeline or return. The investment is speculative in nature, and investors should be prepared for the possibility of total loss. Valuations of private companies can fluctuate substantially between funding rounds. Investors should consult their financial advisor and review all offering documents before investing.
In a pre-IPO transaction, accredited investors purchase shares from existing shareholders (such as employees, early investors, or other holders) through secondary market platforms. The company itself does not issue new shares in these transactions. UpMarket facilitates these trades as a FINRA-registered broker-dealer, handling compliance, documentation, and settlement on behalf of both parties.
There are two primary exit paths for pre-IPO holdings: selling your shares on the secondary market to another buyer, or holding until the company completes an IPO or is acquired. Both paths are subject to transfer restrictions, company approval (right of first refusal), and market conditions. The timing of any exit is unpredictable, and investors should plan for a multi-year holding period.
The minimum investment for most pre-IPO offerings on UpMarket is $50,000. This amount may vary depending on the specific offering and share availability. There are no fees to create an UpMarket account or browse available investments. Investors only pay transaction-related fees when they complete an investment.
UpMarket's valuation estimate of is derived from a proprietary model that incorporates multiple data sources: funding round data (Caplight), revenue estimates (Sacra), secondary market pricing, and public company comparables. The model applies a private company discount to the public comp multiple to account for illiquidity and information asymmetry. This estimate is not investment advice and may differ substantially from the price at which shares actually trade.
Unit operates a banking-as-a-service platform that embeds accounts, cards, payments, and lending through APIs and white-labeled tools, serving 1,000+ business customers across SMB software — accredited investors can access Unit stock through UpMarket.