I have a computer with following equipment:
2x 7970
990FX Fatality pro
850 XFX PSU
8GB RAM
FX 4350 CPU
128GB SSD
I would sell instantly if i wouldnt be able to pay in time, i also got my salary which comes in handy every month. Can send ID and Documents on whatever you want, you name it.
That would be my colleteral.
It's only collateral if the lender or agreed third party escrow holds items.