No collateral, no loan.
He haves two "non collateral" loans already...
Right, in my mind I consider the first two "repaid" (funds to be put immediately aside to cover when needed). Larger one to be repaid latest around 23 hours from now.
You can have whatever perception you want, in your mind. The fact though is that is still unrepaid and you continue to ask a lot more for third time.
Btw your title declare this loan as a risky one but you say that is more than sure that nothing will happen. A bit confussing, don't you think?