The FINANTA (formerly HIAS Pennsylvania) Startup Friendly is a cdfi lender from FINANTA (formerly HIAS Pennsylvania). The annual fee is $0. The ongoing APR is 7% - 15%. Approval typically requires a credit score of None (ITIN accepted) or higher. Rewards: Credit building and financial coaching. Typical credit limit: $500 - $50,000. This product reports activity to your personal credit report. Philadelphia-area CDFI serving immigrant and refugee entrepreneurs. Accepts ITIN. Microloans and small business loans. Focus on credit building for newcomers. Bilingual services available.