You were making the point that you were after cost recovery plus profit. For doing the due diligence on 20 people in order to lend $15,000 or $20,000, you have to be charging a really big rate of return.
So without some public financing, I'm going to suggest that maybe the government should be offsetting your costs for doing the research on the loans as their way of public participation. Maybe the lending institution should be looking for some support so that you can enable the democratic process in a “corporate social responsibility” or “public duty” way. Maybe this is something the committee should be looking at.