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The Vault - Fallout Wiki
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Friendly Lending Company
Notable MembersLorenzo Giovanni (Manager)
Guido (Main guard)
Leone (Second guard)
HeadquartersHub downtown, Friendly Lending Company
Notable LocationsHub
Relations and associations
Related EntitiesUnderground

The Friendly Lending Company, known mostly as FLC, is ostensibly a business operation lending out funds owned by Decker[1][2] to those in need.

In reality, the FLC is a loan shark operation, baring accusations by the Hub Police of extortion, with several thousands of caps on hand; stored in the safe of the organization's main office in the Hub's Downtown area. The FLC is managed by Lorenzo "the Munificent" Giovanni, under the control of Decker whose philosophy of being a respectable business man is summarized by his words, "You don't show us respect, you get hurt. How much more respectability can a man ask for?"

FLC gives out loans on a graduated scale of 200 caps, at an interest rate of 10% of the original loan, with a maximum of 1000; potential customers must build a credit base at each 200 cap unit to be able to receive a loan on the next additional 200 cap unit. FLC allows up to 10 days before the loans are due.


  • The player has the ability to kill Lorenzo and his guards without angering the Hub Police, as long as you keep the fighting off the streets.
  • Another guard, Avery, was going to appear but was cut from the final version of the game.


Dialogue Files: Lorenzo, Guido, Avery and Sheriff Greene


  1. Fallout Official Survival Guide p.77: "Lorenzo: (Minor NPC) Manager of the Friendly Lending Company, or FLC, which is owned by Decker."
  2. Fallout Official Survival Guide p.177: "If you need money, Lorenzo at the Friendly Lending Company, will loan you from 200 to 1,000 Hub Bucks at an exorbitant daily interest. He will make up to three loans at a time to you. Be warned, however. This is a loan sharking operation, and if you fail to pay, you will be attacked. Lorenzo is also a source of information and may give you an in with Decker."