Private Lending Arrangement
Private Lending for People
Who Know Me Personally
A documented promissory-note arrangement for close friends, family, and trusted associates who want to participate in my cryptocurrency trading business — with full transparency, clear legal documentation, and honest risk disclosure from the very first conversation.
"Abilities Finance is a private lending arrangement for people who know Czar personally, documented through promissory notes, used in cryptocurrency trading operations, with 80% of trading profits shared with lenders and full risk disclosure from the start."
Who This Is For
This Is a Personal Arrangement,
Not a Product
Every lender in this program has a pre-existing personal relationship with Czar. That is not a legal formality — it is the foundation the arrangement is built on.
Immediate Family
Spouses, siblings, parents, and adult children who have a direct personal relationship with Czar and understand the arrangement fully.
Close Friends
People with a genuine, long-standing personal friendship — typically ten or more years — who can have a direct conversation about fit, risk, and expectations.
Trusted Associates
Long-time professional contacts with an established personal relationship, not merely a business acquaintance, who understand the high-risk nature of this arrangement.
How the Arrangement Works
Four Steps. No Ambiguity.
The structure is straightforward. Every step is documented. Nothing moves until both parties understand and agree in writing.
Private Conversation
We discuss the arrangement in plain English — the structure, the risks, the documentation, and whether it makes sense for you. No pressure to proceed.
Promissory Note
A written promissory note is signed before any capital moves. It specifies the loan amount, the 80/20 profit-sharing terms, and the full risk disclosures.
Capital Accepted
Once the note is signed and both parties are satisfied, the agreed capital is transferred. The minimum lending unit is $10,000.
Reporting & Profit Sharing
You receive 80% of trading profits per your note terms, with full transparency on performance — including losses. You may request return of principal at any time.
Why People Choose This
A Structure Built Around
Your Interests
People who participate do so because the terms are clear, the documentation is real, and the person behind the arrangement is someone they already trust.
- 80% of profits go to you. That split is locked into the promissory note and does not change.
- You can withdraw your principal at any time. There are no lock-up periods or penalties. Repayment timing depends on trading liquidity.
- Every agreement is in writing before any money moves. The promissory note is a legal document. We encourage you to have it reviewed by your own attorney.
- Full transparency on performance — including losses. You will always know how the trading account is performing. We do not hide bad months.
- Direct access to Czar. You are not dealing with a corporation or a call centre. You can reach Czar directly at any time with questions or concerns.
- Verified track record available. Our trading performance is documented and available for review. View the track record.
Czar J. Kijana
Founder & Entrepreneur
"I am not a corporation. I am a person you know. My reputation is on the line with every trade, and that accountability is the most important protection I can offer you."
Meet the FounderRisk Disclosure
Understand the Risks Before You Proceed
This is a high-risk lending arrangement. We state that plainly, once, here — so you have the full picture before any conversation begins.
Material Risks — Read Before Proceeding
Only participate with funds you can afford to lose entirely. If you have any doubt about whether this arrangement is appropriate for your financial situation, please consult an independent financial advisor before proceeding.
Before Any Money Moves
The Process Is Deliberate by Design
No capital is accepted through this website. The first step is always a direct conversation. Here is exactly what happens before any funds are transferred.
You submit an inquiry
Using the form below, you request a private conversation. No funds are accepted at this stage. The form simply opens a dialogue.
Czar contacts you directly
Czar will request a private conversation personally — by phone or email — to discuss whether the arrangement is appropriate for your situation. There is no sales pressure.
Structure and risks reviewed in plain English
We walk through the promissory note structure, the 80/20 profit-sharing terms, the withdrawal process, and every material risk — before any decision is made.
Promissory note signed — then capital accepted
If both parties are satisfied, a promissory note is drafted, reviewed, and signed. Capital is only accepted after the note is executed. Not before.
Why This Process Matters
The deliberate pace of this process is not bureaucracy — it is integrity. Every lender who has participated understood the arrangement fully before transferring a single dollar. That standard does not change regardless of the relationship.
The promissory note is a real legal document. We encourage every prospective lender to have it reviewed by their own attorney before signing. We will never rush that step.
If at any point in the conversation you decide the arrangement is not right for you, there is no obligation to continue. The conversation costs nothing.
Ask Zuri Your Questions FirstPrivate Conversation
Ready to Talk?
If you know Czar personally and want to understand the arrangement in more detail, use this form to request a private conversation. No funds are accepted here.
