The Working Solutions CDFI Startup Friendly is a cdfi lender from Working Solutions CDFI. The annual fee is $0. The ongoing APR is 5% - 12%. Rewards: Free one-on-one business consulting. Typical credit limit: $5,000 - $100,000. Loan terms: 3-year or 5-year. Minimum time in business: 1 year. 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.