familiarize yourself with the forum, join discussions, and build up your reputation.

this depends on you, or you can ask members that have a lending business here on how much they earn from their lending business.

personally, I think you should, but there are lenders here that accept loan request that doesn't have collateral as long as they are reputable enough. just a note that just because you lend to someone who is reputable, doesn't mean there is no risk involved, there have been cases where reputable members decided to not pay the loan and left the forum.

I don't really know, perhaps ask the members that as a lending business here in the forum.