Loan solicitors

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Every day at work I am receiving calls from places I've never heard of offering business loans. Most of them are recordings. They claim they don't require collateral and offer anywhere from $35,000 to $150,000. Excuse me? I don't think so. I don't know you. I don't know anything about you except that you one of you are going to call every day. Are you legitimate? Has the BBB heard of you? I'm supposed to agree to something over the phone? It sounds to me like some of the places that send mail offers for loans that the fine print says if you make even one tiny mistake they can demand the full amount immediately. Please, tell me no one takes a loan over the phone from some stranger? How do they get away with this? How can you loan money to someone you know nothing about, without collateral in the first place. What are you going to do if they don't pay it back, take their first born child? All I know is this girl isn't about to sign up!