From a borrower's prospective, you'd want someone who instantly has what you want or need, right? Or else why would you come to the Lending subforum? That should answer your question

In other words, rather than sourcing from A - Z by yourself, let someone do the work for you.
I know that every one has his own concern and collateral is like insurance for money to return but my wondering was if I have the amount I need as collateral why I ask for a loan. I enter this subfroum to see how this work I don't know about collateral.