The Access to Capital for Entrepreneurs (ACE) Startup Friendly is a cdfi lender from Access to Capital for Entrepreneurs (ACE). The annual fee is $0. The ongoing APR is 7% - 15%. Approval typically requires a credit score of No minimum or higher. Rewards: Free business advising and mentoring. Typical credit limit: $5,000 - $200,000. Loan terms: $15K – $1.5M. This product reports activity to your personal credit report. Southeast CDFI serving Georgia, Alabama, and Tennessee. SBA microloan intermediary. Focus on underserved entrepreneurs. Offers microloans and term loans. Strong mentoring program.