The Excelsior Growth Fund Startup Friendly is a cdfi lender from Excelsior Growth Fund. The annual fee is $0. The ongoing APR is 8% - 15%. Approval typically requires a credit score of No minimum or higher. Rewards: Technical assistance and business coaching. Typical credit limit: $500 - $250,000. This product reports activity to your personal credit report. New York State CDFI. SBA microloan intermediary. Focuses on veteran, minority, women, and disadvantaged business owners. Microloans and business loans. Strong business coaching program.