@funwhilelost are you familiar with #SavingsPools?:
In #Aotearoa savings pools have helped people clear interest-bearing debt, including in some cases paying off mortgates. We use P2P relationships between many smaller pools to raise the savings necessary for larger loans. In one case our pool funded publication of a kid's book written by a member. In principle, savings pools could lend startup and expansion funds to coops.