but domain names are also used as collateral
No. Domains are usually worthless and/or easy to reclaim by the lender, so they're no good for collateral. And it doesn't matter how much it's worth to you. The actual price the lender could get for it if you default - that's what matters.
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so what are you people suggesting here? if I cant get a loan for this website then let someone buy cause someone needs my support someone in a critical situation