edit: enough tokens will be unlocked by the 25th of January to cover the loan. The contract only has 1.5 month of vesting left.
Unless I am missing something that is the issue.
On Jan 25th there will tokens unlocked. The ones you are giving as collateral don't unlock until mid Feb.
So if a lot unlock and people dump a lot and the price drops a couple of weeks later when the collateral becomes available someone is holding tokens worth less then $1000
Not saying it will happen, just that it CAN happen. Which is why you are getting resistance. Collateral, more or less is supposed to be liquid and available to sell at any moment.
Also, since you are not posting the token info in public it makes it look even more sketchy.
Just my view, take it as you want.
-Dave