Your reason may be genuine, or you want to get the loan and run away, we can't tell.
Your business may be successful, or it may be a disaster, again we do not know.
Even if you really use the bitcoin to fund your business, and it turns out to be a big success, you may not repay.
So, you need to provide collateral to the lenders, unless you have a very good history.
You should find details in a sticky thread in the lending section. https://bitcointalksearch.org/topic/edu-the-rule-of-no-collateral-no-loan-ignore-at-your-own-risk-577765
Edit: You should read the other 3 sticky threads there as well.
https://bitcointalksearch.org/topic/edu-how-to-spot-a-scammer-read-this-before-lending-your-coins-119896
https://bitcointalksearch.org/topic/edu-exercise-caution-when-lending-to-users-246874
https://bitcointalksearch.org/topic/lending-subforum-intro-scam-trends-404191