The thing is here you do need collateral unless you have a long history here and can be trusted by everyone. Identity doesnt pay us back in the event of default (and they can be forged too). Good luck though.

Also remember this is a bitcoin forum. While people do use flat currency as a reference, its always best to refer to bitcoin due to volatility because you might try to avoid having to pay more if btc value increases. If you are seeking just pure flat currency and not using bitcoin, this isnt the place for you.