I think 20% on returned investment is a great deal. If I personaly came across say 500 computers and didnt have $2500 to buy them. I would have no problem payiong someone $1200 for a $1000 investment in money alone. That way you as the worker are taking all of the guesswork from the invester standpoint. Might not be a true co-op but I would think if its a money only investment then it wouldnt be a co-op per say.
I also like the idea of starting a deal like olddude said he needs $2000 to buy the load of wire. He needs someone to buy half the load. Instead of one person paying $1000 maybe you can get 10 people to pay $100. Kinda like our very own micro lending machine
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