Agreed, if a non-profit takes enough of these that any one loan (or any group of loans) makes up a majority of their assets/income, they've implicitly taken on a new board and are more beholden to the "money board" than to their actual board.
Right, in practice this would result in either the nonprofit giving you a board seat, them refusing your money, or increased overhead either via some kind of insurance policy that they pay into that would cover you recalling the loan, or them just refusing to spend your money until the deferment period expires. But those last two probably result in you recalling your donation because the premiums on that insurance would be ridiculous, so they wouldn't be effectively using your donation.
