Ok i have just read the topic and is very clear but open to interpretations.
First of all i didn't ask direct loan, it was asked using an lending platform.
Second sorry for posting this without looking for rules but that doesn't make me an scammer so why flagging someone without knowing him first.
Third if i would have an collateral i would look for money lenders directly.
Last Sorry to bother you all and thanks for the votes
PS: can an moderator close this, thank you