Private lending,made clearer.

A Patron is someone who may choose to lend to a person, family, business, trust, nonprofit, or other relationship they already know. Friendly Bank gives that private lending decision a formal place to happen.

Start online. You verify your identity, open your Friendly Bank account, and set up the account you may use as the source of loan capital.

Minimums are confirmed during onboarding based on how the Patron expects to use Friendly Bank.

Yes. The application is the best place to begin, and the team can follow up when a conversation would help clarify the fit.

You can invite someone you already know who may request a private loan from you. Only people or entities you invite can make a request tied to you.

No. Your private network can be small or broad. The important point is that you decide who may request capital from you.

Yes. Removing someone stops future requests from that person. It does not change any loan that has already been approved and funded.

No. An invitation creates a formal channel for a request. You still decide whether to approve, counter, or decline.

In many cases, yes. Friendly Bank can help move an informal arrangement into a documented loan with clear terms, repayment, statements, and records going forward.

Friendly Bank notifies you and shows the request in your account. You can review the amount, purpose, proposed terms, repayment context, and available Member information before deciding.

You do. Friendly Bank organizes the request and documents the decision, but the Patron decides whether to approve, counter, or decline.

Yes. The Patron sets the terms they are willing to offer. Friendly Bank helps put those terms into a documented structure before money moves.

Friendly Bank communicates the decision through the platform, so the answer does not have to become a personal negotiation.

Yes. A Patron can approve the full amount, approve a different amount, counter with different terms, or decline.

Pricing is disclosed before a loan is accepted. The cost depends on the size, term, and structure of the loan.

No. Friendly Bank handles repayment, statements, reminders, payoff records, and changes inside the account relationship.

Friendly Bank manages notices and next steps through the platform. You are not expected to chase payments or manage follow-up yourself.

Terms, signatures, payment history, statements, changes, and payoff records stay organized in Friendly Bank.

No. Friendly Bank provides loan records and documentation. Tax treatment should be reviewed with your CPA, attorney, or advisor.

Friendly Bank provides account and loan records. Any required tax forms or reporting details are explained during onboarding and year-end support.

Friendly Bank explains advisor and delegate access during onboarding.

Friendly Bank keeps the issue in a formal process. Notices, records, repayment changes, and payoff history stay organized instead of moving into scattered texts or memory.

If the Patron and Member agree, Friendly Bank can help document approved changes so the record remains clear.

No. A private loan still carries repayment risk. Friendly Bank gives the decision structure, documentation, account movement, and records so the risk can be understood and managed more clearly.

You see information needed to evaluate the request, including borrower details, proposed terms, repayment context, documents, and disclosures available for that loan.

No. Members see information tied to their loan relationship, not the Patron's broader financial life.

Friendly Bank uses secure account access, identity verification, and role-based permissions so information is shown only where it belongs.

Yes. Many Patrons first hear about Friendly Bank from someone who helps them manage family, capital, taxes, legal planning, or business relationships.

Yes. Friendly Bank gives banks a formal avenue for private loans they are not built to administer because the bank is not the lender of record.