Use your lender’s invitation
Your lender, called a Patron, invites you to connect through Friendly. Follow their link to create or access your account and complete your identity and business information.
For borrowers
A loan from someone you know.
A clear way forward.
Give someone you know a clear picture of what you need and how you plan to repay. Friendly brings the request, agreed terms, and repayments together, so you can both move forward with confidence.
For businesses and individuals borrowing from an existing connection, including family and friends.
Still discussing a loan? Share our lender overview with the person you have in mind.
Request examples
Give your lender the full picture.
A home renovation. Equipment for a business. Show what the money will make possible and how you plan to repay. These examples show the information your lender can use to make a decision.
Other reasons to borrow.
From your request to agreed terms.
Help your Patron understand the need
Explain what the money will make possible and how you plan to repay. Friendly brings your request and supporting information together, giving your Patron a clear basis for their decision.
Review the offer together
Your Patron decides whether to lend and may offer different terms. Review the amount, rate, and repayment schedule before deciding whether the offer works for you. An invitation is not an approval.
Before you sign
Know what you will receive.
Know what you will owe.
Review the offer before you commit, with the costs and obligations laid out for you both.
The full cost
See the interest and fees you will pay, the amount you will receive, and the total you will repay.
Your repayment plan
Know how much each payment will be and when it is due. Your agreement explains early payoff and what happens if a payment is missed.
Signing and funding
Friendly prepares the agreement for you both to sign. Confirm your receiving account and payment instructions, then track your funds after account checks and authorization.
A place to keep repayment on track.
Payments and records
See your next payment, what you have already paid, and the balance that remains. Your schedule and statements stay with the loan.
When you need help
Raise a payment question or request a change from your loan record. Friendly coordinates follow-up and documents agreed changes. Until revised terms are approved, your current repayment schedule applies.
Who can see your information.
Information follows the loan
Your lender sees the information needed to assess and manage your loan. You can access your own request, agreement, and payment history. Authorized staff and service providers handle information as part of the service.
Multi-factor authentication helps protect your sign-in.
Start with your invitation.
Use the invitation from your Patron to join Friendly and start your request. If you already have an account, sign in to pick up where you left off.