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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[1] is the owner and operator of the Friendly Lending Company, or FLC, a moneylending business in the downtown district of the Hub.

Background[]

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[]

Interactions
FO76 ui icon quest
This character is involved in quests.
FO76 ui trading team
This character is a merchant. Sells: loans

Quests[]

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 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.

Inventory[]

Apparel Weapon Other items
Leather jacket 10mm SMG
Knife
10mm JHP x30

Appearances[]

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.

References[]

  1. Lorenzo Giovanni: "{182}{}{I'm just a respectable businessman, that's all. We Giovannis have been respectable businessmen since the days before the holocaust … now that's tradition!}"
    (Lorenzo Giovanni's dialogue)
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