depending on your trust i might want escrow to hold my collateral
For start, you need to read the stickies and learn what is consider Valid Collateral in the Forum.
Cloud mining accounts, is not consider amoung them, you can easily reclaim them from admins.
Of course, if the cloud mining it's a legit company and not some Ponzi scheme "dressed up" as cloud mining company...
It is actually a good idea if the daily profits from the mining account will go to the lender, but also to protect you, what if after giving access to the mining account, lender sold the GHS and send to his wallet and run away.
So bottom line, it may sound like a good idea to use it but both parties are not safe so use another form of collateral or lock the thread.