As for trustworthy factors, I've paid out ~3 BTC in campaigns and held up to 2 BTC at once.
That's it. For trustworthy factors:
Zapo is aTriz. This is crucial information anyone should know before considering a loan.
I figured this out when Zapo started 2 big signature campaigns, and it's confirmed by both aTriz and Zapo on Telegram. I wanted to give him a chance to redeem himself, while keeping an eye on him and maybe even work together in the future. I also thought of it as "guiding" him a bit, as he could be a great asset to the forum without making the wrong steps. I like aTriz, he's always been friendly to me, he's a good campaign manager, but if he's going to ask for loans, I can't in good conscience allow him to hide his other forum identity.
Zapo opened a thread on "Long term offers" a month ago, in which I made a subtle comment: "
Don't.". We discussed this on Telegram. Now I'm done being subtle.
I hate to do this, and I'm fully aware I'm destroying Zapo's reputation. He's done good things from this account.
I'll open a Reputation thread later, I have to go now.