STEP 1 – Listen first
When a friend offers a silent‑partner role, pause before replying. Show that you hear the proposal and that you respect the trust involved. Listening builds a solid base for later discussion.

• Nod or give a brief verbal cue such as “I hear you.”
• Ask a clarifying question to gauge expectations.
• Keep eye contact and stay relaxed.

STEP 2 – Ask about goals
Understanding why the friend wants a silent partner helps you decide if the fit is right. Focus on the business aim, risk level, and time horizon.

• “What outcome are you hoping for from this arrangement?”
• “How long do you expect the partnership to last?”
• “What level of involvement would you expect from a silent partner?”

STEP 3 – Share your own view
State your position clearly. If you need time, say so. If you have concerns, voice them politely. Honesty prevents future tension.

• “I value our friendship and want to protect it.”
• “I have other commitments that limit my ability to invest money.”
• “I prefer a role with no decision‑making power.”

STEP 4 – Negotiate terms
If you are open, discuss equity share, profit split, and exit options. Write everything down to avoid misunderstandings later.

• “Let’s outline profit share in a simple agreement.”
• “I would like a clear exit clause after a set period.”
• “I prefer a fixed percentage rather than a variable one.”

STEP 5 – Make a decision
Take the time you need. A short pause before giving a final answer shows respect for the seriousness of the offer.

• “I will review the details and get back to you next week.”
• “I need to talk with my family before moving forward.”
• “I will let you know after I finish reviewing my budget.”

EXAMPLE SENTENCES YOU CAN USE

Thanks for thinking of me for this role.

I appreciate your idea and will think about the role.

My schedule is full right now, so I cannot add another commitment.

My financial plan does not include new investments at the moment.

Our friendship matters more than any business deal.

What are the expected returns for a silent partner?

Could you share a written outline of the agreement?

I prefer a clear profit split written on paper.

I would like to know how long the partnership will last.

Do you have a timeline for when you expect a return?

My risk tolerance is low, so I need low‑risk options.

Please send me the draft contract for review.

I need a few days to check my cash flow.

My current projects take most of my attention.

I am open to a small equity share if it fits my budget.

I would like an exit clause after two years.

Your idea sounds interesting, but I have concerns about liability.

I value transparency, so please share all financial projections.

My family prefers I keep investments modest.

I enjoy supporting you, yet I want to avoid daily involvement.

Let’s set a meeting to discuss details in person.

I will think about the proposal and reply by Friday.

My goal is to keep my role purely financial.

Please explain how decisions will be made without my input.

I am willing to explore a trial period first.

CLOSING THOUGHT
Choosing to become a silent partner touches both money and friendship. Speak honestly, ask clear questions, and put agreements in writing. By following these steps you protect both your wallet and your relationship, and you set the stage for a partnership that feels right for everyone.

Be kind ❤