Patron experience
Generosity without the awkward parts.
You decide who to help, how much, and on what terms. FriendlyBank handles everything that could strain the relationship — documentation, communication, collection, and every difficult conversation.
Is this right for you?
FriendlyBank is for people who want to help someone they care about — and want structure that protects the relationship.
FriendlyBank is for you if:
- You've been asked for money by someone you care about
- You have capacity to help and want to do it properly
- You value the relationship more than the money
It may not be right if:
- You're looking for investment returns
- You'd rather just give a gift
- You want to lend to strangers
You make the decisions. We make them happen.
FriendlyBank handles the operational burden—but every meaningful decision remains yours.
- Who joins your Circle
- How much you're willing to lend
- What terms you'll offer
- Whether to approve, counter, or decline each request
- How to handle difficult situations
- When to modify or restructure
- When and how to resolve defaults
- Circle member intake and verification
- Request triage and analysis
- Documentation preparation
- All Circle member communication
- Payment collection and reminders
- Late payment follow-up
- Default resolution
- Compliance and record-keeping
Your lending policies
Set your boundaries once: maximum amounts, preferred terms, spending velocity. Requests that exceed your policies are declined automatically — you never have to say no yourself.
Your approval authority
No commitment is made without your explicit approval. You review our analysis, see our recommendations, and make the call. We never auto-approve or pressure you to decide quickly.
Modification and exit scenarios (advanced)
Your modification rights
Circumstances change. You can adjust terms, offer forbearance, or restructure any commitment—we'll handle the paperwork and communication with your Circle member.
Your exit options
If a situation becomes unworkable, you decide how to resolve it. Write-off, pursue collection, or find a middle path—your choice, our execution.
You never become the collector in the relationship.
Every repayment message comes from FriendlyBank — never you.
Complete visibility. Minimal effort.
Your dashboard shows everything — active commitments, upcoming payments, pending decisions, recent activity. You'll see what needs attention without being overwhelmed by what doesn't.
Decisions that protect the relationship.
Anyone can check a credit score. FriendlyBank assesses what actually matters when it's personal.
Relationship Impact Score
We assess commitment size relative to situation, repayment burden as % of income, relationship context, and potential stress points.
FriendlyBank Risk Score
Our underwriting looks at credit history, cash flow, existing obligations, employment, and behavioral patterns.
How scoring works (advanced)
You see a letter grade, recommended amount, suggested rate (AFR default), default probability estimate, and a plain-language summary.
This isn't just a credit score. It's a complete picture of ability to repay.
You see impact level (Low / Medium / High), key factors, concerns to consider, and a suggested approach.
This helps you anticipate how a commitment might affect your relationship—before you decide.
Together: the full picture
| Impact / Risk | Low Risk | Medium Risk | High Risk |
|---|---|---|---|
| Low Impact | Straightforward | Likely suitable | Proceed carefully |
| Medium Impact | Consider terms | Weigh carefully | Significant caution |
| High Impact | Discuss first | Strong caution | Likely decline |
When the answer is no
- Whether you decline manually or let your policies decline automatically, we handle the communication.
- Suggested language that preserves dignity.
- Alternative options to offer.
- You never have to craft a difficult message.
Your Circle. Your invitation.
Only people you invite can request support. Add them when you're ready; remove them if circumstances change. Membership means they can ask — not that you'll say yes.
Inviting members
Only people you invite can request support.
Invite at your pace and adjust your Circle over time.
No one outside your Circle can request funds from you.
Managing members
Remove members if circumstances change, set individual limits, or pause availability temporarily.
Membership means they can ask — not that you'll say yes.
Formalizing existing arrangements
Have existing informal arrangements? FriendlyBank can formalize them — replacing personal obligations with proper documentation going forward.
Stay informed without being overwhelmed.
Updates on your terms.
What your Circle member sees
- That a commitment is available to them
- Terms of their specific commitment
- Their payment schedule and history
- Communication from FriendlyBank
What they don't see
- Your other Circle members
- Your total lending capacity
- Your other commitments
- Your deliberation process
Support for complex situations.
Most of FriendlyBank is designed to work seamlessly without help. But some situations are complex — and we're here when you need us.
When to reach out
- Formalizing multiple existing informal loans
- Multi-generational structures
- Situations where you're not sure how to proceed
- Anything sensitive you'd rather talk through
Our team
Real people who can discuss sensitive situations, answer questions, and help you think through complex scenarios.
Simple pricing. No surprises.
FriendlyBank charges transparent fees for origination and servicing. You’ll review the full schedule before you make a commitment.
- Unlimited Circle members
- Unlimited requests and commitments
- Full dashboard access
- All reporting and documentation
- Support for complex situations
- Family office / advisor integration
Interest and rates
You set the rate on each commitment. Rates default to at least the IRS Applicable Federal Rate (AFR). Fees are transparent and disclosed up front.
No hidden fees
- No hidden fees
- No prepayment penalties (for your Circle members)
- No account closure fees
What you no longer need
- Attorney time for documentation
- Accountant time for AFR compliance and tracking
- Collections costs when things get difficult
- Your time managing uncomfortable conversations
- The relationship cost of handling it yourself
The Patron journey
From onboarding to ongoing management—here's what the experience looks like at every stage.
Identity verification, preferences, and optional advisor access—built with institutional-grade controls.
- Verify your identity and set your lending preferences and tone.
- Optionally authorize your advisor or family office with least-privilege access.
- Choose whether you want support on complex requests.
- Applies institutional-grade security, encryption, and audit logging to your account.
- Captures your preferred boundaries and decline style up front.
- Keeps your account invitation-only from day one.
- You're the lender—but you'll never have to act like one.
- Audit trail covers every decision and change to your settings.
- All Circle members must have a FriendlyBank account before they can interact with you.
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- Advisor access can be read-only or action-enabled with explicit scopes.
- You can change tone and boundaries later without disrupting active loans.
- You're the lender. We're the buffer.
- Funds stay within FriendlyBank for Circle transactions.
- You control who can request—invite-only by design.
- You control terms, including 0% APR.
- FriendlyBank handles servicing and follow-up.
Ready to begin?
Simple setup. Get started in minutes.