-A fully verified bank account.
The point of collateral is to be able to sell it when needed.
This sounds like an apartment with a sea view. It's nice and adds value, but at the end of your vacation, you can't take it with you.
That's why I hope it can be seen as collateral. I have a lot to lose, but I am fully aware of what I am doing and what I anticipate in terms of funds coming in. The only risk I face is the possibility of dealing with an illegitimate lender who may take advantage of the situation. That's why I am actively seeking a reputable lender or member.
It's more than complicated. As Loycev mentioned, even if the lender would accept the site as collateral, what are the chances that he would sell it if you don't repay the debt? It should be a ratio of at least 1:10, if the estimated value of the website is $1000, the maximum that would be calculated for collateral is $100.
You would also have to transfer the management of the domain to the lender (which is again an additional cost)
Apart from the website, there are numerous interconnected elements. Social media, an advertiser, a video channel, and a community that recognizes me due to the website. Additionally, there are payment methods associated with it, among many other things.
From the lender's perspective, they might perceive these connections as valuable collateral. Alternatively, they may view them from a different angle and consider them decent collateral. Moreover, it should be evident to the lender that I would never ask for a loan unless I am absolutely certain about my ability to repay it.
And here the lander is not very useful. Maybe he could add his own accounts so that he takes the profit, but that is also risky and can cause a ban on advertising and sm services. Plus, a lender would have to know a lot about the backend of a website, and these are not related jobs.
It is obvious that you are far from being able to get a loan based on everything you listed, OmegaStarScream gave you the most accurate answer. If you already have a continuous income from your business, it might still be better to rely on your own finances and go step by step. Everything will be slower, but you won't complicate things further.
