FriendlyBank™ operates as a private-bank layer, partnering with regulated institutions for payments and storage while following banking-grade controls.

Patrons receive suggested language to preserve the relationship. Borrowers get respectful, transparent messaging.

Credit, cash flow, relationship context, and behavioral signals inform FriendlyBank Risk Score™ and Relationship Impact Score™.

Yes. Advisors can be authorized for access, reporting, and coordination on your behalf.

Gentle reminders first, with optional formal escalation approved by the Patron. Messaging remains considerate throughout.

Yes. You can define lending parameters for personal, entity, or trust arrangements.

Borrowers see only what’s required for decisioning. Sensitive data is isolated and access is limited to need.

FriendlyBank will update documents, schedules, and communications to reflect forgiveness and keep records aligned.