You could easily start anyway since you are the one the is going to lend, I remember someone asking this question as well, I mean it's a great business you could easily earn an interest loan.

Just be aware that this kind of business is very risky, especially on accounts collateral, I would suggest not lend any members that doesnt have a great reputation here in the forum, that way you could avoid most of the scam members here, a lot of newbies asking for a loan here just report them. Maybe you can check out the lending section to get familiar first with the process of how members lend here, I mean you are still a newbie you could build a little bit of reputation here before starting your business that way your starting to introduce your profile.