A financial home
for private lending.
You say yes. We take care of the rest.
The category
Private lending already exists. Friendly Bank makes it operational.
Americans informally lend an estimated $184B a year, before many private business loans are counted.
Even when a private loan is documented, execution often lives across counsel, email, spreadsheets, payment tools, and separate records. Friendly Bank gives the loan one place to operate.
Informal Lending,
now structured.
A friend, loved one, colleague, or operator comes to you for a loan. The relationship may be personal, but the work still needs a system of record.
Friendly Bank helps formalize that private loan without turning the relationship into an operating desk. You provide the capital and decide the terms. The request, documents, payment schedule, records, and follow-through stay in one place.
How it works.
You become a
Friendly Bank Patron.
To become a Patron, set up an account workflow with Friendly Bank. After your funds are deposited, you can refer a Circle Member — someone who wants to borrow money from you. When a Circle Member is referred to Friendly Bank, we email them a loan application. If the Circle Member wants to secure a loan, they complete the application and authorize us to share their credit score range and other request details with you, the Patron.
Privately, you decide whether to fund the entire loan, a portion of the loan, or no loan. Friendly Bank — not you — handles all the communication with the Circle Member, including whether the loan has been approved, modified or denied. If any portion of the loan has been approved, you set the loan terms: loan amount, interest rate, repayment schedule, and collection policy.
One platform, the whole lifecycle.
From request through repayment, Friendly Bank keeps the operating work connected instead of scattered across side channels.
Records and agreements
Notes, guarantees, disclosures, e-signature, and the organized loan file stay together from the first review.
Intake and decisions
Member intake, identity, credit context, request review, approvals, counters, and declines stay in one workflow.
Servicing and repayment
Payment schedules, funds flow, statements, payoff, and repayment history stay visible through the full lifecycle.
Lend to people you trust.
Make it official.
Want to go deeper?
Learn more about how Friendly Bank works for Patrons, Members, and structured lending.