I will not promote -- Handling options while IPO + leaving the company

I'm an employee of a promising company; IPO may be around the corner. But I may need to leave the company for personal reason right before/after IPO. The trouble is: there's about 6 months or longer holding period and I will need to exercise the options within 3 months of quitting. That means, waiting for IPO may actually make my options void! Besides, I don't have enough funds to pay for the exercise cost. One solution I think of is to involve with a qualified investor (maybe via Equty Bee), exercise (buy)