If you really want this town, you need to find a concrete way to earn large amounts of money with the loaned money. In the real world, you're expected to need loans, but the cultural ideas are different in Meepcraft.
Some alternatives to this loan are:
*Ask for mutiple smaller loans. People then don't take such a large risk on you.
*Find someone to partner with you in this town. You won't get to be primarily in charge, but this gives the other player insurance of some kind.
So first, find a new way to make money using the loan, then figure out how to get the money for the town.
