Be creative.
Finance without the assets will always be a tough call. banks look for safety no matetr how much tehy advertise saying they are looking fro creativity.
Perhaps 150 perople with R3000 - offer a return on investment that is worth the risk. many ways to structure.
A South African movie is busy being financed like this, the public are putting teh money in.
Tsotise was financed to a certain extent liek this - I think the actors themselves were investors, cant quite remember.