Background

James had always dreamed of making his own independent film. As a passionate filmmaker, he had written a script, assembled a team, and even secured a distribution deal. However, to bring his vision to life, he needed $50,000 to cover production costs, equipment rentals, and post-production editing.

James had already raised $25,000 through a crowdfunding campaign and personal savings, but he still needed $25,000 to complete the project. Traditional financing, such as bank loans or film grants, was either unavailable or came with high-interest rates and strict repayment terms.

His longtime friend, Melissa, a successful media producer, had always believed in his talent and wanted to help. Rather than becoming an investor or co-owner, she offered to lend him the money—but in a structured way that ensured financial accountability while supporting his artistic vision.

Loan Request & Agreement

Using Pari, James submitted a $25,000 loan request to Melissa with a 3-year repayment plan at 5% interest, significantly lower than any production loan he could have secured.

Melissa reviewed the request and adjusted the terms to support James’s creative timeline:

• A revenue-based repayment structure, where James would make larger payments once the film started generating income and smaller payments in slower months.

• A one-year grace period, allowing him time to complete the film and start selling it before making repayments.

• No penalties for early repayment.

Once they finalized the agreement, they digitally signed the loan contract, and James received the funds instantly, allowing him to move forward with production without financial stress.

Repayment & Outcome

With the loan secured, James completed the filming, editing, and post-production on schedule. The film premiered at an independent film festival, gained traction, and was picked up for streaming distribution.

As revenue from streaming and ticket sales started flowing in, James began making repayments through Pari, where automated tracking kept both him and Melissa informed.

The film performed better than expected, and within two years—a full year ahead of schedule—James had repaid Melissa in full.

To express his gratitude, James credited Melissa as an executive producer in the film’s official release and invited her to the premiere screening.

Key Takeaways for Users

✅ Creative Dreams Without Financial Pressure: James completed his film without taking on high-interest debt.
✅ Flexible Loan Terms for Creative Industries: Melissa structured a revenue-based repayment plan, ensuring James could pay based on earnings.
✅ Seamless Loan Tracking: The app handled payments, eliminating financial tension between friends.
✅ Early Payoff Flexibility: James repaid the loan one year ahead of schedule.

Final Thoughts

James and Melissa’s story proves that structured loans between friends can fund creative projects while maintaining fairness and trust. Thanks to Pari, they were able to set up a clear, secure, and stress-free loan agreement that worked for both of them.

Need funding for your creative project? Or want to support a friend’s artistic dreams? Our platform makes lending and borrowing between family and friends secure, simple, and fair.

Download the app — Get started today!