The DreamSpring is a business loan from DreamSpring. The ongoing APR is Interest rates between 7.99% - 18.99%; Kansas City limited-time offer: fixed 7.99% interest rate and 7% Community Benefit Fee. Approval typically requires a credit score of 640+ or higher. Typical credit limit: Up to $15,000, based on your paystub or business cash flow. Loan terms: Repay over up to 48 months.