Ibn Ezra on Deuteronomy 15:4/אבן עזרא על דברים ט״ו:ד׳

1HOWBEIT. This means that you shall take note that that which I commanded you, not to exact interest from your brother, will be unnecessary if all of Israel or most of them will listen to God’s voice. In this case, there will be no poor among you who need you to lend to them. On the contrary, all of you shall lend to many nations (v. 6). The meaning of ve-ha’avateta (and thou shalt lend) (v. 6) is, you shall take his pledge (avot), that is, his pawn, for the money that you shall give him, which he needs to do business.