How FriendlyBank works
A single process that respects Patrons and Borrowers equally—formal underwriting, professional documentation, and thoughtful servicing.
Structure that protects boundaries.
Stay generous without carrying the emotional or administrative burden.
Get a concise summary—purpose, amount, borrower profile.
FriendlyBank Risk Score™, Relationship Impact Score™, and suggested terms.
Approve, counteroffer, or decline with recommended language.
Digital signatures, promissory note, and payment setup handled for you.
Scheduled payments, reminders, and delinquency handling without personal follow-up.
Dignified, transparent, and clear.
A respectful process with zero ambiguity about repayment expectations.
Share purpose, amount, financials, and identity—no judgmental tone.
See recommended rate, repayment schedule, and your obligations upfront.
Digital docs, disclosures, and e-sign—all tracked with audit logs.
Scheduled payments, manual payments, and clear history in one place.
Underwriting, documentation, and servicing in one considered process.
From intake to collections, FriendlyBank manages the operational burden so Patrons and Borrowers can stay focused on the relationship.
Credit + behavioral + relationship scoring with recommended rate, term, and maximum safe amount.
Promissory notes, disclosures, signatures, and payment accounts configured without back-and-forth.
Scheduled payments, reminders, late fees, delinquency handling, and optional collections managed professionally.
AI-assisted guidance that suggests kinder wording for declines, boundary coaching, and tension alerts across your portfolio.