Hi, sorry I caught this post kind of late. Thanks for the mention.
The problem I have with these specialized blockchains for loans is that you can't automate the trust factor, and the figuring out who is good to loan too. Having a built-in reputation is helpful and lucky for me Steemit has just that. Though I don't just rely on the Rep number.
Its awesome what youre doing. Maybe smarter contracts for credit rating come from social content and human decision-making :)