To add to what Dear Leader said above, if you get a loan, you should be able to pay it back. That requires your nation to generate enough income from commerce (see revenue tab in game). As a small nation, you do not generate that kind of income. You gain money through raiding.
To recap that, if you want a loan, you should be able to repay it. If you think you can pay it back by raiding, then just do the raids and keep that money. No need for a loan.
If you hang around (and we hope you do!) you will be surprised by how many players join us and just go inactive to never be heard from again.
Imagine if we loaned out millions of dollars to people who just left! The losses would really hurt TKR.
I understand that it sucks being strapped for cash. But I promise that you can make it through raiding. Or buy purchasing and selling credits (if you want to). But raiding will get you to the point where you are big enough to take loans.
Also, make sure you check out the econ programs we have to help our members!
Resource Exchange- trade in resources for the ones you need: http://www.knightsradiant.pw/topic/1519-resource-exchange/
TKR Resource Sale: deposit money into the TKR bank and receive a discounted rate for resources you need: http://www.knightsradiant.pw/topic/4867-resource-sales-thread/
Also, check out the TKR objectives to earn extra money: http://www.knightsradiant.pw/topic/1598-tkr-objectives-list/
And there are also the in-game objectives that earn you money as well, which are located in the "Objectives" tab in the game menu.
Oh yeah, and welcome to TKR!