Welcome onboard OP.  You are on the right track identifying with this platform as you would get to know more and have good knowledge of what you have signed up for.

My advise to you is that you should not be in a haste to do something that you would regret in the nearest future. I would say this, take your time to gradually building your account while working on your reputation because what you have in mind doing here would need you such efforts as I have said earlier because no one would want to identify with such am account conducting loan and lots more and it would make it more difficult for members to attend to you when what they have already reputable loan giver here. It would take you extra efforts to be able to making sure you get the attention of a customer.
So therefore,

Secondly, how much you can earn should not be a thing of concern to you when you have not started it yet. What I would suggest is the you check the loan board to study how it works there and the rates and percentage of return borrowers request for loan with when making refund.

However, asking for collateral as I have seen in other loan board is not inclusive although if you want to ask, that is your own policy but as much as I know I do not think collateral Is involved as it is collateral Free but whom ever wants to default should be ready for  a red tag and negative trust. You should know yourself that this is highly risky to do.