I ment collateral haha, I was planning in using an Escrow anyway, thanks for the input. I was planning on asking alt coins as collateral which may mean slow business, but a not so devastating outcome when I get scammed :/
Once you build up enough rep/trades you'll be able to take collateral without escrow, though using as escrow will be time consuming just for loans. I'd take forum accounts as collateral as most people wont even need to loan money if they've already got the sufficient amount in alts though there are lots of people doing this already so people would likely choose another user over you.