The way the system is designed the underlying risks for lenders is zero. You can be assured that your lent assets will be returned. So the lenders will always receive the Amount of XRP + interest, once the lending terms are matured.
How we recover your lent assets from Borrower
If your matching borrower is facing a loss, this is how you’ll still get the lent asset along with the interest.
If a trader is at a loss, he has an option to deposit more money and recover his position
When the value of the trader’s account falls below in a minimum maintenance threshold, all his order positions are force-liquidated and funds will be recovered.