You don't need money to start a guild. You just need to go to each main city to find a guild administrator, and talk to him to get a list. On the list, you can change the name of the guild, use him to find someone to sign it, and then sign it with 9 people.

Guild badge design 10G

Open the guild warehouse 100G.

There is no limit to getting someone to sign, NPC. Ask the guard yourself, and he will tell you.

I told you, there won't be any money for opening a guild. Give it up.