If I were any of the half dozen non-profits I've worked with, I would be unwilling to accept that loan because it is a completely unreasonable amount of risk to

If I were any of the half dozen non-profits I've worked with, I would be unwilling to accept that loan because it is a completely unreasonable amount of risk to be beholden to some untrustworthy random person for any important sum of money, and a completely unreasonable amount of work to be beholden to some untrustworthy random person for any unimportant sum of money. Start your own foundation and manage your own money. This isn't genius, it's ignorance.