In summary:

• We are a peer to peer lending company just like BTCJam but with the Collateral Factor.
• We use Coinbase integration so that we don't hold coins. We do not want to hold coins.
• We will integrate many partners that will bring collateral to BTCLoans, Some collateral will always be more stable than others, as in your bank. Your home can be use as collateral, the bank may lose or may gain. Your home may go up and down in value
• Our goal is to protect you as an investor of BTC. This is why banks use collateral and this is why we wanted to integrate it.

We are available via our support links at any time for real and honest questions. There are a lot of smart people here. Its always good to get your feedback and it can only make us better.