The Southern Maine Finance Agency is a business loan from Southern Maine Finance Agency. The ongoing APR is Negotiable based upon cash flow of business and risk of credit, fixed for the term of the loan, not to exceed Prime plus seven (7) percent.. Typical credit limit: Maximum participation of $350,000 to any one Borrower. Loan terms: Negotiable based upon cash flow of business or life expectancy of assets financed (typically five years), not to exceed twenty (20) year..