For Patrons
When lending is personal, make it formal.
People close to you may ask for a loan. Friendly Bank gives that loan a real account flow, clear terms, documents, payment schedules, statements, and records without letting it 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 schedules, statements, 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 Member context, 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 account flow, 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 account flow, documentation, money movement, repayment, records, and follow-through that should not fall on the relationship.
We put the loan in writing.
Terms, disclosures, signatures, payment instructions, and repayment expectations are documented before money moves.
We operate the account flow.
Funding, disbursement, scheduled repayments, statements, and payoff records run through Friendly Bank instead of through you.
We make it simple for you.
You do not chase payments, send reminders, or manage side records. Friendly Bank keeps the loan record and money movement connected.
We keep the record clean.
The file stays organized for you, the Member, 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 Member context, proposed terms, repayment structure, and information needed for your own review.
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 through the Friendly Bank account flow, serviced, tracked, and closed out in one record.
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 Member’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 needed for your review.
Cost clarity
See the shape of a private loan before the conversation gets formal.
Model amount, rate, and term to understand estimated payment and total interest. Final terms and any servicing costs are shown before anyone accepts a commitment.
This is an illustrative estimate for a standard amortizing structure. It is not a quote, approval, tax advice, and it is not a fixed pricing schedule.
Advisor diligence
The questions that should be answered early.
A serious private loan raises tax, repayment, and record questions before anyone signs. Friendly Bank keeps those questions visible without replacing your outside advisors.
Why AFR appears
Friendly Bank surfaces the Applicable Federal Rate because below-market loans, especially inside families and trusts, can raise tax questions. We keep the reference visible so your CPA, attorney, or advisor can review the terms with you. Friendly Bank does not provide tax advice.
When repayment needs attention
If a payment goes off track, Friendly Bank keeps reminders, support requests, restructure review, Patron visibility, and formal next steps in the record. The process is documented so the relationship is not forced to carry every follow-up conversation.
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.
Structure a private loan.
Start with the account flow. Then decide, privately and deliberately, how you want to handle requests from the people and entities already in your life.