The Southern Maine Finance Agency is a business loan from Southern Maine Finance Agency. The ongoing APR is Current SBA 504 Loan Interest Rates 6.77% 25-Year Term 6.72% 20-Year Term 6.58% 10-Year Term. Typical credit limit: $5,000,000 ($5,500,000 per project for manufacturers and green projects). Loan terms: 20 or 25 years Fixed for Real Estate or 10 years Fixed for Equipment.