re: If you received $500K, how would you invest it?

Are you suggesting that you don't think I'm right.

Those trips aren't paid for by donations to the bank.

You're talking about thousands of dollars hitting the expense account. Gross revenue on a $1M loan at 3.5% is only $35K. That's before cost of capital (~1% or $10k) and paying the business and credit staff.

Please point me to this bank, I would like to do business with them.