$200B

in friend & family loans. Every year. With zero infrastructure.

Parcela is the AI agent that manages the entire lifecycle of personal loans between people who know each other. From structuring to repayment, it handles the parts humans find awkward.

The Problem
Money is the #1 reason relationships break down. Not because people are greedy, but because informal loans have no structure.

46% of Americans say money has damaged a personal relationship. Over half of friend-and-family loans are never fully repaid.

The loan starts with good intentions. "I'll pay you back next month." Then life happens. There's no contract, no schedule, no reminders. The lender feels awkward asking. The borrower feels guilty avoiding it.

The relationship erodes in silence.

How It Works

Three minutes. Loan structured. AI takes over.

01
Describe the loan
Tell Parcela what's happening in plain language. "My sister needs $3,000 for 8 months." The AI figures out the rest.
02
AI structures everything
Fair terms, a payment schedule, risk assessment, and a simple agreement both parties can understand. No legal jargon.
03
Autonomous management
Payment reminders, progress tracking, and gentle nudges. The AI handles the uncomfortable conversations so you don't have to.
What The Agent Does

Your loan manager that never sleeps.

Parcela replaces the awkwardness with an AI agent that handles every step, 24/7.

⚡
Smart Risk Assessment
AI evaluates the loan based on amount, relationship context, and repayment capacity. Not credit scores. Real context.
📋
Automated Agreements
Generates a clear, plain-language agreement with terms both sides understand. Digital signatures, timestamped record.
🔔
Gentle Reminders
The AI sends payment reminders on schedule. Calibrated tone. Not aggressive, not passive. The conversation you don't want to have.
📊
Full Lifecycle Tracking
Both parties see real-time progress. Payments logged, balance updated, completion celebrated. Total transparency, zero tension.

Lending money to people you love shouldn't cost the relationship.

Parcela exists because the most important financial transactions in your life deserve the same infrastructure as the least important ones.