I never understood why anyone would think there’d be a market for those in EVE either (still don’t 
)?
If you have enough collateral to cover the loan that you aren’t going to want to use or need during the loan period there’s just no reason not to simply sell them & buy replacements when you’re done.
If you’re not in a rush to get the cash for the project you’ll probably make money doing that anyway (selling high then buying back low).
If you are in a rush chances are the hit you take selling low & buying back high won’t be any worse than the interest you’ll get charged for a loan.
So why would anyone go for a collateralized loan in EVE in the first place?