Well first, it's not s costly loan!. Second it would give me the opportunity to gain credit !. I'm sure this would not be your first time. I'd even look contour for business in the future for the help !. I understand the terms. It's really not worth pouring my heart out for $40. But I'd definitely appreciate it !..
You tried doing the same in your own thread but asking for almost $4k. No one is going to lend you something without valid collateral. Not here, not in your own thread, not anywhere on this forum.