I would like to become a lender like others on this forum, but as you can see from my account, I don't have the necessary credibility to operate like others.
It's a nice and interesting moves made by you, but as you've said already, you lack the credibility and d you can't expe members to begin jump into you like that for loan without proper processing, i will advise you stay longer a while, build a reputation and earn yourself a particular standard or level in trust, through this, you might have also learn more to discover more about yourself and what you're planning to get into.
Do you think I can act as a lender by leaning on another user who escrow and who holds the collateral?
That's why you need time to take while learning from those already into Lending service, a newbie cannot apply for such and so do i expect a newbie not to partake in establishing one until the have the full knowledge of what's involved in lending and how to relate user's data on a spreadsheet for proper processing and management using the excel sheet.