Lending with proper collateral must be one of bitcoin friendly business. Only because of bitcoin P2P lending has become so easy to have for both lender and borrower. Before bitcoins, I never got chances to think about availing loan.
Bitcoin has eliminated many complications of lending business I agree, but if we analyze in depth those lending business are only easily possible only because of this forum and other sites which are also providing loans are still having many complicated procedures to avail a loan. Still, I agree lending must be one of the bitcoin friendly business.
Lending is great, With just a right collateral I think it will be good because you just have to sell this collateral if he can't pay right?
And the reason why this sites are having a problem is because they just provide documents not collaterals.
OP should also try builiding a gambling site, online shop, exchanger (altcoin and fiat) or bitcoin debit cards