Yeah I don't think I can do either. Obviously your friend is coming to you as last resort if they can't get a loan elsewhere. How much are we talking here? If it was me and it was my really close friend (we're talking like #1, or maybe #3 max), I'd probably just kiss the money goodbye with no expectation of repayment (if this was their first time and they were really in predicament). Not worth losing a friendship over, especially after reading A790's thread.
You have a couple of photos that are great... you must be very good at photoshop!