I dont know who would like to borrow 0.01 or less (5usd) , its not more easy to ask that to your parents or bother/sister..?
Many of these recent micro-loans topics have been turned out to be a collateral scammers, like lendingtree
lol dude, you do NOT know the things scammers are willing to do for $5... They'd take it.
Use trusted escrow for collateral. No one will provide a collateral straight up to a newbie.