The lowest budget that one is supposed to allot to an indie film is around 15 million dollars. There are stories of independent filmmakers raising funds, maxing out their credit cards, and begging from family members in order to get films made. I don't know how I'd begin to do such a thing. I'm not a good fundraiser. Maybe I'm going to have to learn.
Movies are also a harsh business.
For every movie that makes it to the screen, there are hundreds made every year that never get out of the can, for whatever reason. To go into such debt, take so much time and effort, only to see your stuff go nowhere is something I worry about. I have a few contacts, though. The director of Memoirs of a Gorilla makes movies all the time, and even distributes them through the web. One of my old improv.