We were talking about lending to the non-profit sector. It's up to an individual institution to determine what interest rate it charges to individual customers and non-profits.
Financial institutions, banks, make loans to those they expect can repay them. The question was referring to “on balance”. Loans are not made to sectors. They're not made to the political process. They're made to individuals, whether households, businesses, or campaigns, with the expectation that each time a loan is made, it will be repaid, not that it works out on balance. The expectation is that each loan is repaid and profitable.