Why couldn't you just use the bitcoin that use used to repay the other guy to meet your minimum? Then when you cash out you could just use the funds that you get to repay the guy. Seems fishy why you didn't do that.

So if i loaned you, you would repay the initial amount + $7 interest + transaction fee. Is that right?

If the previous lender is able to confirm the repayment has been sent out, then i could potentially do this. Maybe providing a txid would help.