TAFFY
Sophisticated financial platform for phantom equity collateralized advance loans. Access 95% of your deferred compensation immediately while building long-term equity value through our innovative financial architecture.
Immediate liquidity on deferred income
T-Bill liquidity reserve investment
Limited to phantom equity collateral
Trusted by financial professionals
Financial Architecture
95% Advance
$95,000
5% Reserve
$5,000
Phantom Equity Units
100,000 Units
1:1 with deferred amount
Sophisticated Financial Tools
Professional-grade financial platform designed for phantom equity collateralized loans with comprehensive management, compliance, and analytics capabilities.
Phantom Equity Dashboard
Track phantom equity units (1:1 with deferred dollars), accumulation progress, and liquidity goals vs actual advances.
Deferral Engine
Income deferral election interface with real-time calculations, AFR-based fee estimates, and timing controls.
Loan Management
95% advance requests, loan status tracking, 120-day grace period monitoring, and Elite 100% qualification.
Tax Calculator
AFR-based fee calculations, 1099-C impact modeling, IRS compliance tools, and quarterly tax estimates.
Liquidity Reserve
T-Bill investment tracking, 5% reserve management, yield monitoring, and performance analytics.
Financial Goals
Set and track phantom equity accumulation targets, liquidity milestones, and loan payoff goals.
Compliance Center
FDCPA-compliant documentation, regulatory notices, digital signatures, and audit trails.
Elite 100% Program
Qualification tracking for premium 100% advance eligibility through payment history or liquidity proof.
Why Choose TAFFY
Our sophisticated financial architecture provides unmatched benefits for professional participants seeking liquidity while building long-term equity value.
95% Immediate Advance
Access 95% of your deferred compensation immediately through our sophisticated loan structure.
5% Liquidity Reserve
Automatic T-Bill investment of 5% reserve for stability and yield generation.
120-Day Grace Period
Generous grace period provides flexibility and financial breathing room.
Non-Recourse Structure
Limited liability to phantom equity collateral only - personal assets protected.
Professional-Grade Features
Built for sophisticated financial professionals who demand precision, compliance, and transparency in their financial operations.
Loan Calculator
95% Advance
$237,500
5% Reserve
$12,500
Security & Compliance
Built with enterprise-grade security controls and regulatory compliance to protect your financial data and ensure operational integrity.
SOC 2 Type II Compliance
Comprehensive security controls audited by independent third parties for data protection and system availability.
End-to-End Encryption
All financial data encrypted in transit and at rest using AES-256 encryption with rotating keys.
Immutable Audit Logs
WORM storage with 7+ year retention for all financial transactions and system access events.
FDCPA Compliance
Collection procedures fully compliant with Fair Debt Collection Practices Act requirements.
Role-Based Access Control
Granular permissions system ensuring participants access only their authorized financial data.
24/7 Security Monitoring
Continuous monitoring with real-time threat detection and incident response procedures.
Regulatory Compliance
Comprehensive adherence to financial regulations and industry standards
IRS IRC §7872
Imputed interest compliance
FDCPA
Fair debt collection practices
SOX Controls
Financial reporting accuracy
Data Privacy
PII protection standards
ACH Compliance
Banking regulations adherence
Treasury Bills
Government securities investment
Security Reporting
To report security vulnerabilities or concerns, please contact our security team at [email protected]
Calculate Your TAFFY Advance
Estimate your phantom equity collateralized advance loan with our 95%/5% split architecture and AFR-based fee structure.
PECAL Calculator
IRS Mid-Term AFR rate (founder fee included in calculations)
TAFFY Architecture
Calculation Results
Financial Breakdown
95% Advance
$237,500
5% Reserve
$12,500
Fee Structure
Elite 100% program qualification available
Important Considerations
- • 120-day grace period for flexibility
- • Non-recourse structure protects personal assets
- • AFR-based fees ensure IRS compliance
- • T-Bill investment of 5% reserve
- • 1:1 phantom equity unit tracking
- • Elite 100% program qualification available
Transform Your Deferred Compensation
Join sophisticated financial professionals who trust TAFFY PECAL for phantom equity collateralized advance loans. Access your deferred income today while building long-term equity value.