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 businessman 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.
- Lorenzo and his guards can be killed without angering the Hub police, as long as the fighting is kept off the streets.
- Avery and Richie, were going to appear but were cut from the final version of the game. Two more guards,
- Fallout Official Survival Guide p.77: "Lorenzo: (Minor NPC) Manager of the Friendly Lending Company, or FLC, which is owned by Decker."
- 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."
- AVERY.MSG and RICHIE.MSG