You lend capital to build the Home for Poetry. It comes back with interest, and you earn shoot days on top for every year it stays in. Everything below is the whole arrangement. No small print.
Compounded annually on the outstanding balance, returned with your capital.
Earned on a set schedule from year two, up to a total fixed by the amount you lend. Valued at $10,000 a day.
Pick an amount and a term. Everything updates.
The cash is the same 5% at every level. What changes is how many shoot days you earn, and how quickly. The days column is the total you end up with, not an amount you get every year.
| You lend | Days in total | How they build up | Cash back at 5 years | Total value | Yield |
|---|---|---|---|---|---|
| $10,000 | Half a day | Half a day at year two, and that is the total | $12,763 | $17,763 | 12.2% a year |
| $25,000 | A day and a half | Half a day in each of years two, three and four | $31,907 | $46,907 | 13.4% a year |
| $50,000 | Four days | One day in each of years two, three, four and five | $63,814 | $103,814 | 15.7% a year |
| Above $50,000 | We design it | Built around what you need | — | — | — |
Five steps, start to finish.
Minimum ten thousand. Maximum term five years. We agree the amount and the term in writing before anything moves.
Calculated each year on the balance outstanding at that anniversary. It is paid back with your capital rather than dripped out monthly.
Not immediately. Next year is already committed to ten pre-sold productions, so lender days begin in year two. They build up each year until they reach the total for your amount, then they stop.
One shoot day per year, booked at least sixty days ahead. Days can be used any time during the loan, plus twelve months after it is repaid.
At the end of the term you get your money and your interest. Or we talk about going again.
Five of them, and all of it written down properly. Amount, term, rate and day schedule go into a simple agreement we both sign. Nothing here lives on a handshake.
I can return your capital at any time. You keep every day already earned. Future days stop from that point.
A shoot day is really five days of work once travel and post are counted. One a year keeps it deliverable.
Give a day to somebody you love, once, to a named person. It cannot be sold on.
Interest and days are both worked out on what is outstanding at each anniversary. Pay some down and both reduce.
Each shoot day delivers the same as any paid day: the shoot, three days of post, and forty finished frames.
This is an unsecured loan to a small creative business. There is no property behind it and no bank standing behind me. If the project fails for any reason, we will renegotiate terms, and you may have to be patient on the repayment.
What I can promise is how I behave. If repayment is ever going to be difficult you will hear it from me early and directly, not at the deadline, and I will do everything I can to make sure it never gets that far.
The creative half depends on me being able to work. If something were to physically happen to me, and I could not operate a camera, we would have to find another way to honour the shoot days. A sentence I do not like writing, but have to.
If you are hunting for a safe return, this is not it. Buy a bond. This is for somebody who wants the thing to exist.
Bring your questions, or bring your accountant. Ask it all now rather than wonder about it later.
Begin the conversation or send it to me in writing