No money is not a problem anymore, actually, since the arrive of MiniDV the number of independent films has increased enormously. The new technology allows pretty much everybody to make a film. Now, how many of them are good? I would say a few of them. The trailer above is from the film Quiet City, made with a budget of $2,500 distributed theatrically by 600 West Productions. Narrates the story of Jamie a 21 years old from Atlanta. She's come to Brooklyn to visit her friend Samantha, but she can't find her. Jamie tries calling, but Samantha's phone is dead. Jamie meets Charlie when she asks him for directions. Nothing to do and nothing but time leads them to bowls of coleslaw, footraces in the park, art shows, and after parties. The movie was released very limited (Just one theater) but it made $15,500 in box office that's a profit of 620 % against its budget, to give you an idea The Dark Knight needs to make more than a billion to have numbers like that. Quiet City also got a DVD deal so, it was a fantastic experience.
I'm a believer that if you have a fantastic story that can be made under ultra low budget circumstances, you will have success and the prove of that is the anti-movement MUMBLECORE, and I say anti-movement because according to Filmmaker Magazine "the filmmakers in this movement don’t want to be grouped into any kind of movement at all"