The Opportunity Fund (California) Startup Friendly is a cdfi lender from Opportunity Fund (California). The annual fee is $0. The ongoing APR is 8% - 20%. Approval typically requires a credit score of No minimum or higher. Rewards: Free business advising. Typical credit limit: $2,600 - $250,000. This product reports activity to your personal credit report. California's largest CDFI. Has deployed over $1 billion in loans. Microloans starting at $2,600. Focus on low-to-moderate income communities. Partners with cities for special loan programs.