The City First Enterprises is a business loan from City First Enterprises. The ongoing APR is Interest Rate 7%-10%. Approval typically requires a credit score of Minimum FICO of 620 or higher. Typical credit limit: $100K-$500K* (*For real estate acquisitions, amounts could be higher). Loan terms: Up to 4 years (and up to 5 years for equipment & vehicle financing); Amortizing.