I think you're missing two key points about YCombinator: - YCombinator doesn't make you give the money back if your thing doesn't take off. - YCombinato

I think you're missing two key points about YCombinator: - YCombinator doesn't make you give the money back if your thing doesn't take off. - YCombinator's isn't really giving you money. They're giving you influence and contacts. That's *huge* in this industry. The money is not really a factor. All your program seems to offer would be a loan with a bad interest rate. As others in this thread have noted, that sounds like a bad investment from both sides. Now if you could come up with something that actually modeled what YC does, but for individuals instead of companies, then that might be a good idea. "Here's 20k and a pile of help. Knock yourself out, but we get 6% of anything big that you do".