Since you've mentioned your clients are ICOs, how will you be able to repay the loan in 10 days? Odds are your ICOs will not pay out by then as they're well known for delaying things due to "poor market conditions."
Absolutely true, I'm no longer considering those tokens as my primary source of income. I haven't even got the payments for projects I worked on October, November. Iwork as a freelance programmer and the I'm expecting the repayment from that paycheck. 10 days includes some buffer as well. But have to pay bills to get some peace of mind and move things.