This you are telling because today the market jumped more then 20% up but for that you cannot give me negative tag, the lender will decide and can tell about giving same amount or lesser amount for loan.
The only one can help you is LFC_bitcoin himself. If you can convince him then good for you. Creating a thread when another one is already exists pointing the same issue is not going to help.
I would suggest you to talk to LFC and sort it out.
This you are telling because today the market jumped more then 20% up
Obviously we always count current market value. If 0.05
BTC would worth $20 then no one would care to be honest.