Example post:
Loan amount: 0.001 btc
repayment: 0.0015 btc on Friday, 8th. Dec
btc address: [YOUR BTC ADDRESS]
bitcointalk collateral account: [YOURACOUNTNAME123]
I expect a PM with the password for the collateral account.
Escrows are fine, you propose one i will accept/deny based on its legitimacy.
If your serious about this then just go to the services section and post a thread requesting an escrow for this instead of you looking for a new escrow every time you offer a new loan.