If you get a loan from someone, what’s forcing you to pay back the loan after they transfer the isk? If you had history, your trustworthiness would be at stake and scamming someone would ruin your reputation, which takes time and effort to build. You’re not providing collateral, so that’s obviously not going to keep you from taking the isk and running. What exactly will force you to pay back the loan?
Why not just use the 20b to start off? It should be plenty for buying gila blueprints.
Also why don’t you offer collateral? If you offered your 130b as collateral and transferred to a trusted third party, you could easily get a 110-120b loan which added to the 20b loan you’re doing with your “friends” should be enough for your investment.