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The operating system for intra-family lending

The Bank of Mom and Dad OS

(Now has an operating system)

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Cheaper than a bank. Smarter than a handshake.

01 Why we exist

Every year, families quietly lend hundreds of billions to one another. Almost none of it is structured. Pari turns the Bank of Mom and Dad into real, tracked, tax-smart agreements so wealth stays in the family and compounds across generations.

02 AI underwriting

Only loans that are
actually feasible.

Pari checks that every repayment truly fits before a dollar moves.

  • Feasibility firstThe schedule matches what the borrower can really carry.
  • Relationship protectedNeutral and documented, so money talk stays off the table.
  • Early warningSpot strain long before a payment is missed.

03 What Pari does

One operating system for
the whole family loan.

04 The opportunity

A generational wealth
transfer is underway.

$84T
Generational wealth transfer underway through ~2045
80%
Of US wealth held by Boomers and Gen X
$200-400B
Lent between family members every year
4th
Largest consumer lender bank is the Bank of Mom and Dad

05 Why families choose Pari

Keep the wealth.
Keep the relationship.

Families set fair, AFR-compliant rates that beat retail lenders. Interest stays in the family instead of leaking to a bank.

Clear terms and automated repayment remove the ambiguity that turns family loans into family grievances.

Live AFR rates and gift-tax thresholds are tracked for you, turning informal loans into defensible, documented notes.

Roughly 80% of AUM is lost at inheritance. Structured intra-family lending keeps capital, and clients, in the household.

06 Built for advisors

Private wealth firms
run on Pari.

Free

Free for private wealth firms. No seat fees, no setup cost, no catch.

2 minto embed Pari into your existing workflow
1 minto create and onboard an intra-family loan

Strengthen firm's AUM, fiduciary ability, and multi-gen estate planning.

Monitored by VantaView Trust Center → Read the RIA playbook →

07 Hear it from advisors

We lent our daughter her deposit and it was straining every dinner. Pari made it a real loan with a real schedule, and it just runs itself now.
The HarringtonsLending parents
My clients kept moving money to their kids off my radar. Now it flows through Pari and the assets never leave the household.
Elena RossPrivate wealth advisor
The AFR and gift-tax tracking alone is worth it. What used to be a spreadsheet and a prayer is now a documented note.
David OkaforFamily office principal
As an RIA, intra-family loans were the one thing I couldn't see or advise on. Pari put them on the same statement as everything else I manage.
Priya Nathan, CFPFounder, Nathan Wealth (RIA)
The affordability underwriting gives me cover to say yes or no with data, not emotion. That protects the client and the family.
Sofia LindqvistSenior Advisor, Vireo Family Office
Informal lending was quietly leaking AUM out of every household I serve. Pari closed the leak and made me the hub for it.
Daniel ChoPrincipal & CIO, Merritt Private
Every founder I advise eventually funds a kid or a sibling. Now that conversation starts with Pari instead of a wire and a shrug.
Amanda Feldstein, CFPPartner, Crestline Wealth Partners
The documentation quality is what sold our compliance team. Every intra-family note is now examiner-ready without me lifting a finger.
Rajiv MenonManaging Director, Ashcombe Private Wealth
We used to lose the next generation the moment mom and dad passed. Pari gives us a reason to be in the room with the kids years earlier.
Grace WhitmoreFounding Partner, Whitmore & Vale (RIA)
I manage nine-figure families and the messiest part was always the loans between them. Pari finally made that part boring, in the best way.
Thomas ArdsleySenior Wealth Advisor, Bellweather Group
Onboarding was a weekend, not a quarter. We had our first family loans structured before the next client review.
Nina OkonkwoPartner, Larkmoor Family Office
The AFR and gift-tax automation alone replaced a spreadsheet three of my associates used to babysit. That is real leverage.
Peter HalvorsenPrincipal, Halden & Roe
Clients feel like I brought them something genuinely new. It has become one of the strongest retention tools in my book.
Yuki Tanaka, CFAManaging Partner, Cypress & Co
Early-warning alerts caught a strained repayment before it became a family rift. That is the kind of thing that keeps a client for life.
Sofia ReyesWealth Advisor, Vireo Family Office
Half my growth this year came from families consolidating their informal lending onto Pari and, with it, the rest of their balance sheet onto me.
Malcolm ReedFounder & CIO, Northgate Advisors (RIA)
My HNW clients want to help their kids without hurting them. Pari lets me structure that help so it builds discipline instead of dependency.
Claire DevereuxPartner, Sterling Vane Advisors
As a multi-family office we needed something institutional-grade for a very personal problem. Pari is the first tool that actually threaded that needle.
Jonathan PryceManaging Partner, Pemberton Reserve

Interested but don't know
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Or email us at support@pariapp.com