For Patrons
When lending is personal, make it formal.
People close to you may ask for a loan. Friendly Bank gives you a private, documented way to consider the request without letting the loan take over the relationship.
At a glance
From invitation to administration
You open the door.
Only people and entities you invite can bring a request to you through Friendly Bank.
You see the request clearly.
Purpose, relationship context, repayment source, terms, and structure sit in one decision surface.
You approve, counter, or decline.
You can say yes, no, or not on those terms without turning the conversation into negotiation.
Friendly Bank handles the rest.
If approved, documents, funding, repayment, records, and follow-through run through Friendly Bank.
The Patron view
Your role in the relationship, shown in one view.
The Patron chooses who can request, reviews the terms, decides whether to lend, and lets Friendly Bank handle the work around the loan.
The Patron role
Private lending with structure.
For a Patron, the question is rarely whether the person matters. The question is whether the help can be handled clearly enough to protect the relationship, the record, and the repayment expectation.
Someone you know needs a loan.
A child, relative, trusted employee, business partner, beneficiary, or close relationship may ask for help that should not be handled casually.
You set the terms.
You choose the amount, rate, term length, repayment schedule, and whether to fund all, part, or none of the loan.
You decide privately.
You can review the request, consider the borrower, and decide whether to fund all, part, or none of it without turning the conversation into negotiation.
You do not have to manage the loan.
If you choose to help, Friendly Bank handles the documentation, repayment, records, notices, and follow-through.
What Friendly Bank handles
Friendly Bank does the rest.
Most banks are not built for this kind of personal lending. Friendly Bank fills that gap: you decide whether and how to help, and we handle the documentation, repayment, records, and follow-through that should not fall on the relationship.
We put the loan in writing.
Terms, disclosures, signatures, and repayment expectations are documented before money moves.
We handle repayment.
Payments, statements, payoff records, and repayment changes run through Friendly Bank instead of through you.
We make it simple for you.
You do not chase payments, send reminders, or spend time managing the loan. Friendly Bank keeps the process moving.
We keep the record clean.
The file stays organized for you, your borrower, your advisors, your CPA, your attorney, and future review.
How it works
The Patron workflow, in sequence.
The process gives you the information to decide, the structure to document the loan, and the support to keep the relationship from carrying the work.
Open a Patron account
You establish your Friendly Bank account and the identity or entity profile that will support future lending decisions.
Invite someone in your network
Only people or entities you invite can request a loan from you through Friendly Bank.
Review the request
You see the borrower context, underwriting, proposed terms, repayment structure, and the information needed to make a serious decision.
Decide privately
Approve, counter, or decline. Friendly Bank communicates the outcome and keeps the conversation from becoming personal negotiation.
Let Friendly Bank administer it
If approved, the loan is documented, funded, managed, tracked, and closed out through Friendly Bank.
Sample requests
Make the decision surface visible.
Open a mocked request and adjust the terms. The preview uses the same term lengths, servicing premiums, fee handling, and structured-payment logic that power the Patron workflow.
Your Circle
People and entities you already know.
Your Circle is the private network of people, businesses, trusts, nonprofits, and entities that may request a loan from you through Friendly Bank.
Before you decide
What you see before you decide.
A private loan needs more than goodwill. You should know how repayment works, what terms apply, and how the loan will be documented before you decide.
Repayment likelihood+
You receive a disciplined read on the borrower’s ability to repay, not just a personal explanation of why the money is needed.
Rate and term discipline+
You see the proposed amount, rate, term length, repayment schedule, and repayment details before you decide.
Relationship pressure+
Some loans are financially possible but personally fragile. Friendly Bank helps surface where the repayment burden may put pressure on the relationship.
Terms disclosure+
Before money moves, you see the terms, servicing costs, repayment structure, and records required to approve with confidence.
Advisors and wealth teams
A cleaner way to discuss private lending.
For wealth teams, the value is not another app. It is a better answer when a client is already being asked to lend inside a family, business, trust, or close network.
Become a Patron.
Start with the account. Then decide, privately and deliberately, how you want to handle requests from the people and entities already in your life.