You forgot to mention this: Collateral should be held in escrow by a trusted escrow provider on this forum.

If you seriously intend to lend, you should require collateral to secure the loan but it should be held by a trusted mediator or middle man and not you. This is to protect borrowers from being victimized or scammed by fake lenders offering fictitious or imaginary loans. Having collateral escrowed means borrowers are protected in case you decide to take the collateral and disappear without actually lending anything.

Having read the above, are you still interested in "lending" 5 BTC? Or did you have other plans in mind which I might have ruined?