<prompt> Human: I dont think theyll fail to pay it back...theyve been in business for 20 years and are expandingneed the loan for the expansion. My only concern is my Dad may retire in 2-3 years and Im concerned about having the loan out when he has no skin in the game and he is what I think protects me the most. Any thoughts on what to do, how much to charge, and how to get the right paperwork to protect myself best?  <response>: Are you willing to sue your dad when he doesnt pay? If not, dont go loaning money to friendsfamily. 