The Lender

you have fallen into a great debt to a being of greed and power, it has offered you power to help in repaying your debt as a dead debtor is money lost.

Expanded Spell List

The Lender lets you choose from an expanded list of spells when you learn a warlock spell. The following spells are added to the warlock spell list for you.

Lender Expanded Spells

Spell Level	Spells
1st	identify, unseen servant
2nd	locate object,magic weapon
3rd	conjure barrage, create food and water
4th	fabricate, secret chest
5th	creation, telekinesis

indebted

Starting at 1st level, you can use gold coins to gain temporary hit points equal to amount spent halved(minimum of 1). The gold is consumed on use of this feature.   

toss of a coin

Starting at 6th level, you can call on your patron to alter fate in your favor. When you make an ability check or a saving throw, you can use this feature to give yourself advantage. You can do so after seeing the initial roll but before any of the roll’s effects occur.

Once you use this feature, you can’t use it again until you finish a short or long rest.

generous benefactor

Starting at 10th level, you can recover spell slots by spending 10 gold times the slots level. the gold is consumed on use. 

valuable asset

starting at 14th level, when dropped to 0 hit points an gold golem appears within an unoccupied space within 100 feet of you. the gold golem fades if you fail 3 death saves or are no longer unconscious.the gold golem is friendly to you and your allies.(use the iron golem stat  block with an ac of 18) 

once you use this feature, you can't use it again until you finish a long rest