Abstract: In the preferred embodiment, the invention includes a combination of three financial agreements: a first financial agreement entered between a first entity (such as an angel investor) and a second entity (such as a financial services company), a second financial agreement entered between a third entity (such as a startup company) and the second entity, wherein the first financial agreement is collateral for the second financial agreement, and a third financial agreement entered between the first entity and the third entity. The first financial agreement preferably includes a money deposit from the first entity to the financial services company for a defined term. The second financial agreement preferably includes a loan from the financial services company to the third entity. The third financial agreement preferably includes a security (such as an equity or debt security) from the third entity to the first entity.