"Y Combinator for people?"
DenisM: You will have a bunch of free-loaders taking the money and then declaring bankputcy or otherwise weaseling out. YC does not give that much money so it's not a problem for them (they also make you go over there so it's actually easier to ge a job for any would-be free-loader).The big problem to solve is reputation - if you can reliably  figure out who is trustworthy then you might be onto something.Also, debt is a lousy choice - investor upside is limited and not proportionate to the amount of the value they bring to the table. Equity will make a much better choice. I don't think it should be hard to draft up a contract that says "I will give up 10% of my earnings over 100k/year up to the maximum of $1m total in exchange for $100k investment". Talk to a lawyer about this. But once again, anyone can simply declare bankputcy and get rid of this contract.Your problem is about finding a) honest and b) resourceful people to invest into.