We're finishing the framework. Soon, you'll have a simple, secure, and legal way to manage family loans and transfer wealth—without the awkwardness.
IRS-compliant promissory notes generated in seconds.
Automated payment verification and annual tax summaries.
Founding members get 12 months free of tracked assets.
Policies governing the use of Friendly Financial's software and third-party liquidity routing services.
Friendly Financial ("Company," "we," "our") provides a Software-as-a-Service (SaaS) platform for private ledger management and financial structuring. Our tools allow users to document capital agreements and track external payments. We charge a standard software licensing fee for platform access.
Friendly Financial is an independent technology provider, not a bank, depository institution, or broker-dealer. We are strictly non-custodial. We do not hold, receive, transfer, or manage user funds. All financial transfers occur directly between the users' respective third-party bank accounts. We rely on read-only API integrations to verify transaction statuses.
To assist users in funding their capital allocations, Friendly Financial provides "Liquidity Routing" tools. These tools may contain outbound links to third-party lenders, banks, or Home Equity Line of Credit (HELOC) providers. Please be advised: Friendly Financial may receive a referral fee, commission, or CPA (Cost Per Acquisition) payout if you click on these links or originate an account with these third parties. This compensation operates independently of your software fee and does not impact the rates provided by the third-party lender.
Because Friendly Financial does not control the flow of funds or underwrite debt, we are not liable for defaulted payments, rejected third-party loan applications, or changes in external interest rates.
To operate our software suite and provide financial insights, we collect data including:
Data is utilized to maintain your active ledgers, perform platform calculations, generate standard reporting, personalize your software experience, and develop new product features to better serve our users.
When you navigate to our liquidity modules and click a link to a third-party partner, an affiliate tracking cookie or pixel will be temporarily placed in your browser. This cookie allows the partner bank to attribute the referral to Friendly Financial so we may collect our commission. This tracker does not capture your core financial data stored on our platform.
We do not sell your personal data to data brokers or advertising networks. Information is only shared with trusted infrastructure partners required to deliver the software, or when legally compelled by regulatory authorities.
Friendly Financial is a private ledger and financial structuring platform. We route high-net-worth users to top-tier liquidity providers to fund their capital allocations.
A high-friction, high-quality acquisition channel for institutional lenders.
Our users are actively structuring large capital transfers (avg. $100k+) on our platform. We introduce your lending products at the exact moment they require liquidity.
Our user base skews heavily towards established, affluent demographics seeking to unlock home equity (HELOCs) rather than liquidating market portfolios.
We act exclusively as the software logic layer. Users maintain their direct depository relationships, minimizing regulatory friction for our lending partners.