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Original post by bit64
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You dont understand.If an indie needs x amount of money for development,he needs more than x+ worth of immovables to be able to pay it back.
No. You don't understand. I am not trying to get a loan, I am thinking about loaning out my 'own' money to independant developers to help the game industry move away from the state of static development that I currently believe it is in. Since this is my own money, I get to dictate why and to whom I loan it to, regardless of collateral and ability to repay.
No, i certainly understand you.That's why i said "Firms would financially be in big trouble not only from games that fail, also a lot of people would try to exploit this opportunity to ripp the firms and run away with the money".
Some questions come to my mind at a first glance:
How can you be sure that the profits that has been earned from the game will cover the loans you supply?
What experience do you have to be able to guess what kind of games bring what amount of sales results?
Do you have any opinion about the PC game industry endorsement?
Have you ever made a market research about game types and their selling amounts?
As you see, if you want to help indie developers that's something very respectable but you must have huge balls to do it.The circumstances may not be as you think.If you want to help indies you should also be able to make money to help them more as Obscure said.I was a finance coordinator of a finance corporation and i did this for 4 years.So i really know what i am talking about.Financers always consider this; "what are the risks, what are the profits".If the risks will be much more than profits, they dont invest or lend money.In your situation, the profit may be charming but the risks are a lot higher than the possible profit.So my suggestion would be to think as much as you can and do not make an attempt unless you are very sure about what you are doing.Also you must be financially secured plus you should have a lot of experience in this business area, before taking such risks like that.
I really support your idea and i would really want someone to make this idea turn to reality.Heroes are needed in every battle and i never forget that no battles can be won without heroes.But depending on my experiences, you are playing with fire and watch out yourself because you might get burned more than you can ever imagine.Good luck.