If I were a financial institution, a credit union, or whatever, I would look at what the results were in the previous election, whether the person was elected or not. This is a fact of life now for independent candidates and it is a fact of life for people who represent parties that are considered marginal at this time. Under any scheme that I can think of and under any system, I don't know how one can equalize the chances. One can only level the playing field so much.
I share your concern, but I don't know how to address it beyond what is there already as a system.