The Ventures is a business loan from Ventures. The ongoing APR is Interest rates on all of our loans start at 7.25% for a first-time loan. If a loan is paid in full and on time, interest rates for subsequent loans decrease by .25%.. Typical credit limit: Loan amounts up to $50,000. For a start-up small business with less than two years of sales history, a business can apply for up to $20,000. Loans applications over $20,000 need to have at least two years of sales history.. Loan terms: Our loan terms can vary between 6 months to 6 years..