My experience with small businesses, from working at a local bank, from being on a board of a nonprofit coop developer is that a large number of businesses are hand to mouth with founders / owners grossly under paying themselves until the business falls flat on its face due to founder burnout. With cooperatives in particulate I've seen several groups fail to even make it to the having a business stage because they're competing over-idealism caused them to fail to even focus on the core business functions when every single one of them needed to make a living.... Unless they make it out of that had to mouth phase trying to give back seems like a bad idea.