However, What have you to add to this, as your opinion will be very important to those that have been lending loans here on this forum. (e.g Shasan, DarkStar, Condoras).
Reject the loan request of anyone the lender trust they are potentially scammer - the rest is up to them. I think lenders know what the consequences of building such a service on a forum are - especially since it's all done anonymously.
Let them manage their own risks and be responsible for their services - we only help as much as possible to support flags and negative tags for anyone who has scammed the lender. So if you really want to open such a service - then the 4 thread pinned on the loan board are very useful to consider.