Multi- User Loans
Loaner
I have just made my first million gold on Gaia. Now that I have reached this, I am planning to give out five 100k loans. If interested post what your collateral is and the Expected Life of your loan.
This is what I call a Multi-User Loan. When someone gives out more than one loan to more than one person. Generally these take a massive amount of preparation, organization, and gold. I do not like to work with these and I do not advise it unless you are extremely organized.
The one person I know that does deal with these keeps everything recorded in notebooks. Below is an example of what they would record and the format of how they would record it.
User - [insert username here]
Loan - 100k
Collateral - Two Bammi Hats and a Spirit Falcon
Expected Life - 10 days
Interest - 3% to end of Expected Life and 9% for every day after.
User - [insert username 2 here]
Loan - 60k
Collateral - 1 Ancient Katana
Expected Life - 5 days
Interest - 2% to end of Expected Life and 5% for every day after.
Sometimes you could end up getting scammed by one person on two mules. The only way to protect yourself from scams is by receiving collateral worth more than the loan. People are less inclined to scam you if they lose money in the scam.
WARNING - Do NOT begin a Multi-User Loan unless you are experienced with making loans. Do NOT give loans to someone you do not know, especially if they do not offer collateral. 
