As newbie registered 4 days ago, there are many other things to do... no trust, no trades...The fact that you arrive here so early and also decide to offer loans seems a bit strange?
I mean, an account just registered was so able to find this section in 4 days and with few posts decide to start this business and asking what to do!
Also it seems minimizing the risk...
With 0 reputation or trades it should be better you don't own any collateral since it could be more profitable a scam .