If you want to take a loan today contact me on telegram
Then why are you making a thread here to advertise? Make your own lending site and promote that on the internet.
A collateral is always needed
You are looking to scam people by stealing their collateral. Nobody trusts you like that unless you offer to use an escrow to hold the collateral. Comparing to banks they store collateral in vaults.
Anybody attempting to do business with the OP will be at risk of getting scammed of their collateral.