Friendly Lending Company

Known mostly as FLC, the Friendly Lending Company is ostensibly a business operation lending out funds to those in need. In reality, the FLC is a loanshark operation, baring accusations by the Hub police of extortion, with several thousands of hubcabs on hand&mdash;stored in the backroom of the organization's main office in the Hub's downtown area. The FLC is operated mainly by Lorenzo "the Munificent" Giovanni, along with his thugs Guido and Leone. Lorenzo's philosophy on 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 hubcap units, at an interest rate of 10% of the original loan, with a maximum of 1000 hubcaps; potential customers must build a credit base at each 200 hubcap unit to be able to receive a loan on the next additional 200 hubcap unit. FLC gives allows for 10 days before the loans are due.

Employees

 * Avery, guard