Trust based loans.
-Don't bother posting if your trust is questionable.
-Collateral is optional and so is escrow.
-Terms of loan will be determine on a case by case basis.
OP I like your intention but it is too risky, I hope you get those members here that really paying members and use the loan in good faith, I'm going to make sure that my trust rate would be good before inquiring if I'll be able to lend a loan. thanks for sharing this.