The Future of Film Finance: Fast, Flexible, and Collateral-Driven
A trend analysis from David Brown, founder of FilmMoney and FM Lending LLC
The days of begging investors, waiting on banks, and losing creative control to equity partners are numbered. The film industry is changing—and so is the way we finance projects.
At FilmMoney and FM Lending LLC, we believe the future of film finance is fast, flexible, and built on collateral-backed lending. Our founder, David Brown, has worked both as a producer and lender, and what he’s seeing is clear: the old way is dying, and a smarter, more producer-driven model is rising in its place.
Here’s a breakdown of where things are headed—and how you can stay ahead.
🔄 1. The Shift Away from Equity First Models
For years, indie producers defaulted to equity. But selling off ownership before production even begins often leads to:
Loss of backend revenue
Complex investor recoupment
Waterfall issues that kill long-term profits
The trend? Producers are increasingly keeping their equity and using short-term debt to fund production milestones—then repaying from rebates, MGs, or sales revenue.
⚡ 2. Speed Matters More Than Ever
With shrinking windows for cast availability, content platform deadlines, and competitive festival timelines, fast funding is now a must. Producers need capital in days, not months.
FilmMoney and FM Lending LLC are at the forefront of this shift—delivering capital based on real, verifiable collateral. It’s a lender model built for speed and trust.
🔐 3. Collateral-Based Lending Is the New Norm
We’re seeing a rise in financing structures backed by:
State tax credits and rebates
Minimum Guarantees (MGs) and pre-sales
Union deposit refunds
Collection accounts and confirmed delivery payouts
These are real, documentable assets—and they can be converted into immediate liquidity through FM Lending LLC’s proven loan model.
📈 4. Data, Transparency & Tech Are Leading the Way
The next wave of producers are more tech-savvy and data-driven than ever. They want:
Clear term sheets
Real-time tracking
Faster underwriting
No red tape
David Brown designed FilmMoney with these producers in mind—combining secure legal structures (UCC-1s, DTPs, copyright mortgages) with a no-fluff, fast-track funding process.
✅ Final Thoughts: A New Era of Control for Creators
The future of film finance doesn’t rely on gatekeepers. It relies on collateral, clarity, and confidence. With the right assets and the right partners, you don’t need to give up control—you just need to structure smarter.
Want to be part of the new era? Contact David Brown and the team at FilmMoney and FM Lending LLC to get funded—fast.