The Southern Maine Finance Agency is a business loan from Southern Maine Finance Agency. The ongoing APR is Loans of $50,000 or less - 8.75%; Loans of $50,000 or more - 7.0%. Typical credit limit: Maximum Loan Amount: $200,000 to a Borrower.. Loan terms: Negotiable based upon cash flow of business or life expectancy of assets financed (typically 10 years or less), not to exceed twenty-five (25) years..