No matter how successful the first launch of your project is, it is difficult to obtain a return of 1 BTC from advertisements during the first two months, which makes the opportunity to obtain a loan without collateral very difficult.

Are you the main developer? If you are a developer, why do you use general sentences? For example, Project Special Software Forum Site. There is a free, open-source version of SMF that fulfills the purpose with some modifications that can be made to it for a freelance developer for $2000.
BTC and ETH Supported Forum Site Setup is easy. You can use BTCPAYserver unless you plan to accept customer funds or generate unique addresses for each address. Then it would be easier for the user to print his donation address below every response he makes instead of relying on you.