It will take more than reputation to get one of these loans: collateral must be provided. This is called securitized debt. The collateral secures the debt incurred.
Debt securitization means turning a debt into a marketable security, something that can be traded on the financial markets. Any asset can be turned into a security in this manner. In debt securitization, various debts are grouped together for the purposes of offering a single security for trading on the markets. For example, investors would not be interested in buying an individual mortgage alone but the bank that originated the mortgage, can package hundreds of thousands of such mortgages into a single security to be sold to investors.
https://www.investopedia.com/terms/s/securitization.asp
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