I think you may be overvaluing what you have here. For a loan, under a year, my first thought is a percentage - maybe 5-10%. If you purchased equity, then you

I think you may be overvaluing what you have here. For a loan, under a year, my first thought is a percentage - maybe 5-10%. If you purchased equity, then you'd be looking at getting a multiple of your money back - but not necessarily on your schedule. Next time, get the terms up front. If someone offered me a loan with the terms of 5X on payback, I'd walk away immediately. You need to find out that both sides are not on the same page before the money changes hands. Now that you are in a relationship, this could get quite messy if the expectations aren't similar