So in short you wants to do some Collateral scam. Gaining so much knowledge about how things on bitcointalk work within a day of registration ?
Why don't you reveal your main I'd and show us you who are ?
All I can see you have is 0.04 btc which is not a good amount to start a lending service
collateral is to be holded by escrow. I read this forum daily and thought of lending so what is your problem ??