Tokenizing and Funding Small Real World Venture with Crypto

What are some of the tools and protocols someone might consider if they wanted to raise money online to start a business?

A for profit version of Kiva.

I know that in the U.S. tZero is an Alternative Trading System fully compliant with FINRA and SEC for U.S. investors. However, what if someone in a third world country wanted to raise money from investors around the world to fund a similar but smaller endeavor, yet not need the stringency of ATS-level compliance?

Simiilarly, StartEngine allows crowdfunding for fairly large sized ventures, though their fees are not small. And the regulatory barriers are significant, though not as stringent as an ATS like tZero.

For example, Alice wants to raise $10,000 USD worth of some cryptocurrency to fund a Tea House in Nepal. She has a loyal social media following, but doesn't want to beg via a GoFundMe type scenario. She has big dreams, and if she can make Western investors a profit on this, they would have more faith for a bigger expansion down the road.

Bob needs $50,000 to buy a tractor in Belize to cultivate a piece of land he inherited from a relative. Local lenders will provide funds with the land as collateral, but at usurous rates (upwards of1-2% per week). He might as well just sell the land to the money-lenders now in such a case.

Chris wants to buy a piece of undeveloped land to establish a small size farm/ market garden in India. He will need $25,000 for the 20 acres of land, modernizing and to sustain his family for the 1-3 years before his operation expects to be profitable. He worked in Europe and learned many techniques that could revolutionize things back home. Bob has several contacts he met as an intern in Europe who would lend him modest amounts of money individually, though they want to keep things low-key but still have a formalized agreement with shared goals, benchmarks, etc.

Are there established tools and/or protocols that would enable any/all of these folks to easily create a token and/or smart contract for these types of scenarios? Where someone could establish various terms, have a fund-raising period, and then distribute tokens to investors in exchange for a token which they could get local currency for with a Coinbase or Binance account once fundraised?

I appreciate any and all help one could provide.