For Patrons
When lending is personal, make it formal.
People close to you may ask for a loan. Stedren gives you a private, documented way to consider the request without letting the loan 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 Stedren.
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.
Stedren handles the rest.
If approved, documents, funding, repayment, bank-account activity, records, and follow-through run through Stedren.
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 Stedren handle the account flow, money movement, and 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 through Stedren.
You decide privately.
You can review the request, consider the borrower, 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, Stedren handles the documentation, repayment, records, notices, and follow-through.
What Stedren handles
Stedren does the rest.
Most banks are not built for this kind of personal lending. Stedren fills that gap: you decide whether and how to help, and we handle the account flow, documentation, repayment, records, and follow-through that should not fall on the relationship.
We put the loan in writing.
Terms, disclosures, signatures, bank-account setup, and repayment expectations are documented before money moves.
We handle repayment.
Payments, statements, payoff records, and repayment changes run through Stedren accounts instead of through you.
We make it simple for you.
You do not chase payments, send reminders, or spend time managing the loan. Stedren keeps the process moving.
We keep the record clean.
Account activity, documents, and loan records stay organized for you, your borrower, 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 account structure to move money, and the support to keep the relationship from carrying the work.
Open a Patron account
You establish your Stedren account, identity or entity profile, and the account relationship that supports future lending decisions.
Invite someone in your network
Only people or entities you invite can request a loan from you through Stedren.
Review the request
You see the borrower context, proposed terms, repayment structure, and information needed for your own review.
Decide privately
Approve, counter, or decline. Stedren communicates the outcome and keeps the conversation from becoming personal negotiation.
Let Stedren administer it
If approved, the loan is documented, funded, serviced, tracked, and closed out through Stedren accounts.
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 Stedren.
Before you decide
What you see before you decide.
A private loan needs more than goodwill. You should know how account funding, repayment, terms, and documentation work before you decide.
Repayment likelihood+
You receive a disciplined read on the borrower’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. Stedren helps surface where the repayment burden may put pressure on the relationship.
Terms disclosure+
Before money moves, you see the terms, servicing costs, account flow, repayment structure, and records needed for your review.
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 bank account. Then decide, privately and deliberately, how you want to handle requests from the people and entities already in your life.