Oh wow! Good to hear about your project!
I would strongly advise against a loan, as u seem to understand.. what a terrible burden and weight on the community and its ability to prosper.

I believe in natural giving and collaboration.. we can save a small fortune working with like minded people who are ready to share and collaborate!
I mean, we already have land for free after some patience and meeting the right people... wishing u the very best with your project!