The start-up and Ben have already agreed that a 10% interest rate will be applied in the investment which in this case will be considered a loan. The start-up will need to understand that this loan will be amortized as the payment process progresses. The $10,000 is expected to be paid over the next five years, during which a fixed amount of the principal amount will be paid with a decreasing amount representing interest. To keep things simple, Ben's loan amortization will be $2000 per year, paid by the principle + 10% interest rate on the remaining principle. The collapse would then be