There is no risk for the lender.
... but would send more if the value drops.
Can you clarify this discrepancy? What forces you to send more when you already have your loan?
Fear from the collateral being liquidated.
Normally, if the collateral falls to 110% of the value it gets sold. So I would deposit more if the price starts getting closer to that limit.
I saw this a while back but refrained from posting, as you stopped posting and I thought you found another way to finance this loan. Since you have posted again, I might as well throw something in here.
I wouldn't mind doing this. Obviously my account is new, like yours, so I can see how you might be wary considering me at all but I can sign an address with over 8 BTC in it just so you could at least see that I'm not another troll. Escrow is fine but you'd have to pay it (escrows on this forum usually charge 1% - so you can visualize that being added to the monthly rate). Would want 5% a month, with 120% collateralization, and 110% stop-loss (which you seemed to be fine with in your previous posts).
This could work with an escrow.
However, since it's been some time since than I am currently reevaluating my options. Perhaps I come back.