We have a profitable hardware and SaaS business. some clients want to obtain a 12-month financing to buy our hardware. we need extra money to allow it. that would increase our monthly income by SaaS too.
An investor want to put that money if we:
- Pay his money using the first client's monthly payments (before we can profit from the sale)
- Share 50% of the profit of the hardware sale
- Share 50% of the profit of the SaaS indefinitely
- Share 50% of the risk (if something goes wrong and the money has to be paid back)
This investor would additionally advice his clients to buy our software. he says he has an strong influence in them.
We propose back:
- Share 10% of the profit of the SaaS indefinitely, because we appreciate he's using his reputation to encourage clients to buy from us, not because of the money lending
- Pay his money using the first client's monthly payments (before we can profit from the sale) and an interest rate superior of the offered from local banks
- We won't share with it the hardware sale profit
- Share no risk