The Accion Opportunity Fund Startup Friendly is a cdfi lender from Accion Opportunity Fund. The annual fee is $0. The ongoing APR is 7% - 22%. Approval typically requires a credit score of No minimum requirement or higher. Rewards: Free business coaching. Typical credit limit: $5,000 - $250,000. This product reports activity to your personal credit report. One of the largest CDFIs in the US. Focuses on underserved entrepreneurs — minorities, women, immigrants. Business loans, microloans, and lines of credit. Also offers SBA microloans. | PG verification: While the database states 'NO' for personal guarantees, some business loans may still require a personal guarantee depending on the borrower's profile and loan type.