The Four Bands Community Fund Startup Friendly is a cdfi lender from Four Bands Community Fund. The annual fee is $0. The ongoing APR is 8% - 15%. Rewards: Business training and IDA matched savings. Typical credit limit: $500 - $100,000. This product reports activity to your personal credit report. Native American CDFI serving tribal communities. Microloans and business loans. Individual Development Accounts (IDA) with matched savings. Financial literacy programs. Reports to bureaus.