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What Do You Say When Someone Asks to Borrow Your Tools?

Oppo,

What do you say? I’ve spent several years working on an extensive bike tool collection. I work on bikes as a hobby for friends for a tiny income, typically just enough money to cover my own expenses or to purchase another tool for a job.

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Is there a polite way to tell friends that you are unwilling to loan them things because you need or might need it for a job? How do you not offend them, yet kindly remind them that they’re asking to take an investment out of potential use for several days or weeks at a time? 

I’m leaning towards something like “you can bring your project here and use the tool but I need to keep it around for an upcoming job.”

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