something that has real value and is easy for you to sell. most often these are some alt stablecoins, which the borrower does not want to sell.

I suggest you read all pinned posts in this ^lending section, before any entry into this business. also, few very successful lenders run the business here, you should not be ashamed to look at their threads and learn from them. they have already set some good terms, which are fixed by gaining experience.
For example: DarkStar_, condoras, shasan