This is a hypothetical situation, I'm not actually in this position. I'm also an amateur with this, so correct me if I make any mistakes.
Let's say a stock is $100. You buy $4,000 worth of $0.50 call options with a strike price of $102. This is 8,000 options.
Now let's say the price of the stock goes up $5. You want to exercise your options to get a profit of $20,000. This means you have to pay $816,000 to buy your stock at the strike price. What does someone do if they don't have $816,000? It's an interesting situation because they don't have the money, but they are guaranteed to make a profit if they did.