Is not easy to arrange a lending service using physical items as collateral.
At least you need a trustable escrow located in the same place where mining machines are . But really , I think is a bit difficult to ship mining machines. Better to accept other crypto or at least collectibles good .
The goal is I want to start bitcoin mining without buying machines
so at the end of the day I get my money 100% back and you get more used machines
NiceHash if you spend $100,000 you will never get it back
Loans you will get the $100,000 back + all the mining power for free