What are your projected revenue numbers for the first, second, third and fourth years? Where are you getting your users? Where are you getting your money? Wh

What are your projected revenue numbers for the first, second, third and fourth years? Where are you getting your users? Where are you getting your money? Who will own the software? The IP? Make a spreadsheet showing your projected income, followed by the amount of money ending up in each pocket. Do this as a cash-flow projection. Now divide your revenue figures by 10 and see what happens. Can you live with that? Now compare with borrowing 25k at 10%pa. You end up with all the revenues, but you might not cover your loan. Where does that interest percentage break even with the deal you are getting? What do you bring to this deal? Why should you get any money at all? Why not sell them the idea for $X and then move on to your next idea? That's your homework - no doubt other HNers will have more to add.