(Mishnah): All craftsman (who take an item home to work) are considered paid watchmen. Whoever said "Bring money and take your item'' becomes an unpaid watchman. If he said, "Watch for me and I will watch for you'', he is considered an unpaid watchman.

If he said, "Guard for me'' and the other one said, "Put it down in front of me'', he is considered an unpaid watchman.

One who takes collateral for a loan, he is considered a paid watchman.

R. Yehudah: It depends - if he lent money, he is an unpaid watchman; if he lent fruit, he is a paid watchman (as the Gemara will explain).

Aba Shaul: A person may rent out the collateral of a poor man, as the rental money will be taken as payment of the loan. It is as if the lender is 'returning a lost article' to the borrower by doing so.

(Gemara): If a person gave an item to a craftsman to repair, once he has finished the work, one is not allowed to send him a gift, as it appears like he is paying interest, since the payment for the work has become a loan.

Shmuel: The case of (b) is when he said, "Put it down in front of me'', but if he said, "Put it in front of you'', he is neither an unpaid nor a paid watchman.

R. Yochanan: A person prefers to give his fruit to a middleman to sell and take delayed payment from a buyer, as long as he receives collateral from the buyer in the meanwhile. Similarly for a loan, a person prefers to pay a middleman who will lend out is fruits for collateral. This is because if the owner retains the fruit, it is likely to rot; and when he lends it out, the loan is returned with fresh fruit. Therefore, he is acting as a paid watchman since he is gaining from the loan.

R. Abahu citing R. Yosi ben Chaninah: Similarly, a person would give generously to one who convinces his to sell his fruit for collateral (i.e. to a middleman who convinces the buyer to buy the produce.)