If a non profit provides a loan to small businesses, or people who need capital open a small business, or to people who just need financial help (pay bills, loan to buy a car, loan for down payment on a house, etc) can a non profit do this? If so, what must the non profit adhere to as far as interest rates and repayment terms. Can a non profit provide no interest loans, or very low (less that 1%) interest on the loan, as well as provide the borrower with flexible repayment terms and deferment/forbearance options in times that the borrower is experiencing financial hardship? Or is there some market rate or loan structure that the non profit must adhere to? Thank you so much for your insight into this matter!