The Working Solutions CDFI Startup Friendly is a cdfi lender from Working Solutions CDFI. The annual fee is $0. The ongoing APR is 11% fixed rate. Rewards: Free one-on-one business consulting. Typical credit limit: $5,000 - $100,000. Loan terms: 3-year or 5-year. Minimum annual revenue: no minimum revenue. Minimum time in business: less than 1 year in business. This product reports activity to your personal credit report. San Francisco Bay Area CDFI. Very low rates. Free business consulting regardless of loan approval. Focus on startups and micro-enterprises. Reports to bureaus for credit building.