1. A method for creating a financial product comprising: providing standard forms and terms to an issuer and to investors, the terms to the issuer including providing capital to the issuer in exchange for a return that is at least in part a function of future sales of the issuer over a specified period of time, the terms to the investors being non-negotiable, the capital provided to the issuer being provided by investors investing in the financial product; and arranging for the creation of instruments representing investment in the financial product.