The private platform for personal lending.
FriendlyBank helps people support the ones they love—without letting money complicate the relationship.
A new kind of platform for an old kind of help.
Money shouldn't damage relationships.
Every day, people who care about each other face an impossible situation: someone needs help, someone wants to help, and the act of helping creates tension that can last for years.
The commitment that was supposed to feel like a gift becomes an awkward presence at every family gathering. The favor becomes a ledger. The relationship becomes transactional.
We've all seen it. Many of us have lived it.
The problem isn't generosity—it's the lack of structure. When money moves between people who love each other without clear terms, professional handling, and emotional boundaries, even the best intentions can cause harm.
Banks don't solve this. They'll lend to your family member directly—if they qualify. But that's not what you need when your nephew needs help and you want to be the one who provides it.
Fintech apps don't solve this either. They'll split a dinner bill or track who owes what. But they're not built for the complexity of real family lending—the tax implications, the documentation requirements, the delicate communication when payments are late.
No one was building for the space between banks and apps. For the high-stakes, high-emotion reality of lending among people who love each other. We built FriendlyBank.
What we believe.
Generosity should be sustainable
Helping someone shouldn't put you at financial risk or emotional disadvantage. Structure protects the helper as much as the helped.
Relationships are more valuable than money
Every decision we make prioritizes relationship health over short-term optimization.
Dignity matters at every step
Asking for help is hard. Receiving help is complicated. Every interaction should preserve dignity.
Transparency builds trust
We explain how things work. We show our fees. We tell you what happens when things go wrong.
Structure is kindness
Clear terms aren't cold — they're caring. Ambiguity is where resentment grows.
A different kind of platform.
We become the buffer
When you help someone through FriendlyBank, you're the lender—but you never have to act like one. You fund the support. We handle every interaction after that: documentation, reminders, collection, even legal action if it ever comes to that. This single structural choice changes everything.
We measure what matters
Credit scores and income, yes — but also relationship impact. Our Relationship Impact Score helps you anticipate how a commitment might affect your connection.
We handle the hard conversations
Payment reminders, late notices, restructuring discussions, and collections—every message comes from FriendlyBank. You never have to be the one asking where the payment is.
We're built for permanence
We're not a feature inside another app. We're building a platform designed to serve families for generations.
Leadership
Private banking and fintech. Two decades building for high-net-worth families.
Federal regulatory background. Built compliance at chartered digital banks.
Banking infrastructure. Security-first. Systems built to last.
Private banking and family office. Fifteen years with ultra-high-net-worth families.