Vod sums it up quite nicely (quoted from the thread josephdd1 mentioned above, so that you can get to the important part quickly):
[...of what is not considered collateral:]
- Future income. You can prove you'll make xx coins in the next few days, but nothing forces you to send those coins to pay your debt.
- Identification. So what if they can prove who they are. Are you going to spend more money and time taking them to court on untested legal grounds? You'll probably just walk away, like everyone does. ID is useless.
Business startup loans are very risky. There are too many factors that can upset the startup and ultimately result in both parties, the lender and business owner, not receiving the funds originally foreseen. If you really need this, go to specialized websites such as
Kickstarter.
