I'm not sure the loan system would go over well for FCs. Maybe do like WoW where guilds got bonuses and perks for completing achievements such as raids with a majority of the group from the same guild, having a certain number of each race at Max lvl and each class at max lvl. If we had bonuses like that then not only would it boost cooperative play between FC members but would give us a way to give perks like everytime an FC member completes a quest an extra 1-2% of the quest reward Gil will be generated in the FC vaults.