Community Advantage — Economic & Community Development Institute is a business loan from Economic & Community Development Institute. The ongoing APR is Prime interest rate, plus 6 percent. Approval typically requires a credit score of Great for business owners with low to average credit or ones who have been denied traditional financing or higher. Typical credit limit: $750 to $350,000. Loan terms: Maximum of 10 years (or the useful life of equipment), maximum 10 years for working capital, and maximum 25 years for real estate.