The best advice will come to those who are already running this business for many years already like Shasan, check out their post if you can communicate with them the better.
It really depends but it should be beyond the rage of interest rates of other lenders if you're starting out it's better to lower your rate a bit.

If the loaner is of higher rank with a good reputation here collateral is optional but for lower rank without existing business here or not in a signature campaign, you have to ask for collaterals.

You can find this out yourself as you go along because you will meet different members who will ask for a loan and you have to deal with each of them with different terms and conditions

But the most important thing is protecting your business.