I'd love to give this loan, small amount and easy to give out. The interest rate is fine, I guess, for the amount and time.

One thing I really care about is that big red text in your trust ratings. It states, from a user who is REALLY well know and trusted among the Bitcointalk community, that I should NOT (in caps) do business with you.

Care to explain why this is written?

(BTW, an account with a super negative rating from a highly trusted person is not great collateral, just saying.)