The The Urban Empowerment Fund All Credit Levels is a cdfi lender from The Urban Empowerment Fund. The ongoing APR is 6 % to 10 %. Approval typically requires a credit score of 620 or higher. Typical credit limit: $25,000 - $250,000. Loan terms: Repayment term extends up to ten (10) years. Minimum time in business: 2 years. The Urban Empowerment Fund (UEF) is a loan fund based in New York City that empowers Minority Business Enterprises (MBEs) by providing access to capital, enabling them to grow, create jobs, and build community wealth. UEF primarily serves minority-owned businesses in urban areas, focusing on supporting their financial needs and sustainability. Services include: business loans. US Treasury certified CDFI Loan Fund in New York, NY.