Loan Shark

Level 2

Creature· humanMediumRemaster

AC 18

HP 25

Speed 25 ft.

Fort +7

Ref +6

Will +10

Perc +8

Size Medium

Common

human humanoid

Languages common

Skills society +15, athletics +9, deception +8, diplomacy +8, intimidation +8

Recall Knowledge society DC 16

Attacks

Melee Dragon-Headed Cane +10/+5/+0(two-hand 1d8)

Damage: 1d4+5 bludgeoning

Melee Fist +9/+5/+1(agile, nonlethal, unarmed)

Damage: 1d4+5 bludgeoning

Abilities

Business Savvyinteraction

When making monetary deals, the loan shark gets a +8 circumstance bonus to Deception checks, Diplomacy checks, and their Perception DC.

Loan Specialistinteraction

For encounters involving monetary deals, the loan shark is a 7th-level challenge.

Never off the Hookdefensive(aura, emotion, mental)

60 feet. Creatures in the aura who owe the loan shark money take a –3 circumstance penalty to their Will DC against the loan shark's attempts to Demoralize or Coerce them and can't reduce their Frightened value below 1 while in the aura. Effect: Owe Money

Interest is Due!◆offensive(auditory, concentrate, linguistic, mental)

Frequency once per round Effect The loan shark commands an ally within 30 feet to attack a creature who owes the loan shark money. The ally can use a reaction to Strike the debtor, dealing an additional 1d6 mental damage. Effect: Interest is Due!

Description

Loan sharks lend money to those in need but charge high interest. If there's ever an issue with repayment, they'll send their gang to ensure clients pay in full.

In the underbelly of society, the lawless reign supreme.