right now, any remotely "sane" USD loans are taken at Bitfinex...
I'll see if I can get more money in before the current optimism dries up, eh?
I cant wait for a downtrend so I can lend BTC
So why don't you sell off part of your BTC at the integrated exchange and lend them out as USD?
The nice thing with this lending business is that it gives you a constant small revenue every day. The downside is that, whenever the lending becomes really profitable, you could make way more by day trading, by going with and only slightly against the predominant market movement. So basically it boils down to taking low risks == lending, taking high risks == day trading.
But in both cases its not a good idea to fight the current market sentiment. Since the sentiment is (still) rather bullish right now, you'll make more money by lending USD