Assistance required in clearing medical expenses

I understand that this is not how it normally goes but I need to attend to as many eyes as I can, and for that, I kindly would like to be a little more creative in how I ask for assistance as I understand many of us can be in the same situation and there are various ways to resolve that but I am optionless as you will come to hear on what's to come.

I wish I can get to as many eyes as possible, but it is not very easy to flourish in a campaign on this site as I have tried before and not a single donation was made, but now I am happy to be in a position of offering something in return for any donation made.

I would like to get some assistance from any person or company that is willing to offer me a loan to the amount of R35000 or >=R20k because I need to resolve my medical expenses as my son last year had to do surgery and now the medical expenses were unpaid fully by my current employer's medical aid, and plus there is a treatment that I am currently paying for in cash since they do not even assist with that as well (Medical Aids are honestly useless, I learned that the tough way).

I am currently working permanently and I am earning >R30k gross and will be able to pay off this amount in instalments so it does not need to be a donation but that is entirely up to the buddy.

I could have so easily went to a bank for this loan, but my credit is too low according to them, now I have to rely on payday loans, and those do not offer amounts as big as this one hence coming here and other platforms that I am currently and desperately trying to get help from.

Another thing to note, is that I am a Software Engineer, so if there is anyone needing a system/applications developed for them, I will so happily assist even for a portion of that amount, the more the merrier.

If you are not a brand and you are an individual who happens to have this amount of money saved/invested and can offer help and be able to assist me, please, I am willing to pay back in 12 months or less, so we can do an arranged debit order on my account and we can lawyer up or affidavit the arrangement, I am very professional in that regard, I am looking for help here, so anything will do right now that can help cover the amount.

Please text back if you or someone you know can assist.

As mentioned, my credit is not blacklisted or under debt review, I just have a very low credit unfortunately.

Thank you for taking your precious time to read this description, God bless you all.