It is common for lenders to offer lower interest rates for larger transactions because they pose less risk for the lender. When dealing with larger amounts of money, the borrower is often a more established business or individual with a strong credit history and reliable sources of income, making them less likely to default on the loan. Additionally, the lender may be able to diversify their portfolio by lending to larger borrowers, spreading out their risk across multiple investments. As a result, lenders can afford to offer lower interest rates for larger transactions as they are more confident in the borrower's ability to repay the loan.