Help without hurt.
The private-bank layer for personal lending.
FriendlyBank™ formalizes loans between Patrons and those they choose to support— underwriting risk, drafting documents, and servicing payments so relationships stay intact.
Built to protect people and relationships.
An emotionally intelligent banking layer that balances generosity with governance.
Clear terms, repayment schedules, and automated reminders keep generosity from turning into resentment.
FriendlyBank Risk Score™ and Relationship Impact Score™ bring objectivity to emotional decisions.
Respectful intake, transparent terms, and private communication preserve trust on both sides.
A measured, guided process for Patrons and Borrowers.
FriendlyBank handles intake, underwriting, decision support, legal drafting, and servicing—so every step stays professional.
Purpose, amount, financial profile, and consent—completed at your convenience.
FriendlyBank models risk, recommends rates and terms, and flags potential relationship tension.
Approve, counteroffer, or decline with suggested language. All documentation and payment arrangements handled for you.
Scheduled payments, statements, late notices, and optional collections—without uncomfortable conversations.
Decision clarity that respects feelings.
FriendlyBank Risk Score™ pairs with Relationship Impact Score™ to surface both financial and emotional implications.
Underwriting blends credit, cash flow, behavior, and context.
AI-assisted language and boundary coaching reduce emotional strain.
A human buffer for delicate situations.
Premium Patrons access a dedicated advisor for family governance, conflict prevention, and structured lending playbooks.
Family lending policies that set healthy boundaries.
Neutral mediation when money and emotions collide.
Structured scripts for approvals, counteroffers, and declines.
White-glove onboarding for existing informal loans.
Built with bank-grade controls from day one.
FDIC messaging, KYC/AML, and clear privacy. FriendlyBank is a premium private-bank layer.
Ready to structure generosity without risking relationships?
Apply to FriendlyBank™ to access private-bank-grade workflows for personal lending.
- Personal or family office details
- Preferred lending boundaries
- Identity verification