My brother needs $480 by Friday. Can I offer less without making it an interrogation?

My brother sent me a screenshot of his rent shortfall, then wrote, "Could you cover $480 until payday?"

His shifts were cut this month. He has borrowed from me twice before and paid both loans back, although the second repayment arrived two weeks after the date he'd given me. I have $920 in emergency savings. My rent and regular bills are already set aside, so lending him the money wouldn't make a payment bounce today. It would leave $440 for anything unexpected.

When I asked what day payday was, he replied, "I thought you trusted me." I do believe he intends to repay it. I don't know whether his next wages will cover both this loan and the next round of bills.

I could offer $150 as a gift and say I can't lend the rest. That feels kinder to my own budget but potentially useless to his immediate problem. I also don't want to ask for every receipt before helping my brother.

What would a fair conversation look like here: a smaller gift, the full loan with a clear date, or a refusal even though the money is sitting there?