lol.So you want a 4000$ loan for 5% but in your lending thread you charge other people 10% for 1 month. 
.Nice one bro.Feels like you need money to cover giving out loans and still making a profit on it,shady.
.Nice one bro.Feels like you need money to cover giving out loans and still making a profit on it,shady.It is no different from what banks do. They borrow money from the central bank at an interest rate and lend it to individuals and companies at a higher interest rate.
In any case, sashan, after the defaults you have had, having to ask for a $4k loan would make me think twice about the lending service.