The Pacific Community Ventures Startup Friendly is a cdfi lender from Pacific Community Ventures. The annual fee is $0. The ongoing APR is 5% - 12%. Approval typically requires a credit score of 575 or higher. Rewards: Free one-on-one business advising. Typical credit limit: $10,000 - $250,000. California-focused CDFI. Offers small business loans with very favorable terms. Free business advising regardless of whether you take a loan. Focus on low-to-moderate income communities. | PG verification: While the database states no personal guarantee is required, many lenders in this space typically do require one, especially for larger loan amounts.