I worked for a quilt store and made samples for the store . The owner provided the fabric, Batting and backing.
I only had to pay someone to do the Longarm quilting. She would then cut fabric and pack 11 kits with fabric used in quilt, with pattern and fabric for binding. Customers bought these kits and would purchase there backing of there choice.
I would get the sample quilt to keep after all kits was sold.
I know the owner of the store had other people who do not work in the store but we’re good sewers making samples for her as well.
Proving fabric etc to them. Not paying them but they could keep quilt in the end.