I wouldn't be generating any income, so I couldn't pay back a loan.
It sounds like your non-profit is in the early stages, so it's probably as rich in vision and mission as it is poor in cash. That's a great start.
Now take that vision and mission and sell it to family, friends, colleagues and strangers. Open with what need exists, follow with what you're doing to fulfill that need and what's driving you and close with an appeal for $.
Once you're more established and have outcomes, there are other sources, but as you get rolling, it's all about selling that vision and mission.
If you wish to discuss, send me a PM through Clarity for 15 free minutes.