I am giving my metamask account as collateral.
That's a hard "No."
First of all, that's not safe for you. To hand over your metamask account you would have to give the escrow agent your seed phrase, meaning the escrow agent would have access to, and control of
all your accounts.
Second, even if you provided the escrow agent with only the private key for the one account, it would be unsafe for the lender because you would still have access to the collateral items and could move them as soon as the lender sends you the loan.
Third, no lender is going to give you a loan based on "estimated value" of digital art or NFTs. If you default on the loan, the lender would be stuck trying to sell NFTs that may have no actual value or take years to sell to recover the lent amount.
Sorry, but without a fungible coin as collateral I have to rescind my offer to help.