The The Urban Empowerment Fund is a business loan from The Urban Empowerment Fund. The ongoing APR is Rates vary - typically fixed between 6 % and 10 %. Approval typically requires a credit score of Personal guarantors need a minimum credit score of 620 or higher. Typical credit limit: Loan amounts range from $25,000 to $250,000. Loan terms: Repayment term extends up to ten (10) years.