<prompt> Human: I have a close friend, he owns several businesses and asked if I wanted to invest in his businesses. Whatever amount I loan to him, he will pay me 1 interest monthly, for a total of 12 annually. I can withdraw anytime as long as I give him a weeks notice. Hes not a shady person, I know where he lives as well as his family so him disappearing isnt an issue. Ive loaned him money in the past and he has loaned me money in the past so the trust is definitely there.What do you think?  <response>: I think something is shady. If he has the cash flow to support this he could borrow money for a lot cheaper from a bank. The fact he is willing to pay 12 interest is a giant red flag. 