[kiliantics]

It's definitely an under-explored area of business but I don't see why there couldn't be a scalable "co-operative" form of banking that could serve this need. Something like a credit union, which distributes the risk of investment among members without some added overhead that goes to investors. As pointed out in another reply, there are European countries with more established co-operative practices in agriculture and other larger industries and I believe this is partially due to sources of capital that are made available by the state for projects like this, so it is a form of co-operative/socialist investment.