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Only ten percent daily interest, a maximum of ten days to repay. You won't find a more generous lending
institution anywhere in the Hub!
Lorenzo Giovanni is the manager of the Friendly Lending Company, or FLC, a loan shark business in the downtown district of The Hub.
Styling himself as "the Munificient" and giving the outward appearance of an honest businessman running a respectable business, Lorenzo is in reality a veritable loan shark. Quite willing to use physical force - via enforcers Guido and Leone - to exact payment from a customer, Lorenzo can grow extremely hostile when clients deviate from an agreement. He also claims that the Giovanni family name has been involved in "respectable business" since even before the Great War.
 Interactions with the player character
 Interactions overview
 Other interactions
- It is possible to get loans from Lorenzo, and also accuse him for his dealings with Decker. Lorenzo rather readily reveals his ties to Decker, the head of the Hub Underground. When an unnamed individual accused Lorenzo of extortion, which was likely a truthful claim, his "good friend Decker set them straight". He also suggests to the Vault Dweller that Decker might have some work available for him, even offering himself as a reference.
Lorenzo appears only in Fallout
 Behind the scenes
Lorenzo's name is derived from two Medici, members of the most prominent banking family of Renaissance Italy. Lorenzo "The Magnificent" was a skilled statesman, diplomat and a patron of the arts and sciences, while the corrupt Giovanni became Pope of the Roman Catholic Church, assuming the papal name Leo X.
- ↑ 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."