As Box said, you can use the 3D Warehouse to convert to DAE ( you don’t need to make the model public). Or you can install the 2017 version of SketchUp Make (desktop software) that is still available for private use.
Just as an aside, if this is your situation, all this discussion has been academic, and you have to use either the SketchUp Pro (desktop) or SketchUp Shop versions, with the FBX export built in.
I have had to struggle with the alphabet soup of different 3D formats for something like 30 years already. I see no end to it. The Collada format was intended to be somewhat an universal open source solution with fewer limitations and subcategories that 3DS or OBJ that tend to break with modern large models.