The Southern Maine Finance Agency is a business loan from Southern Maine Finance Agency. The ongoing APR is All Loans shall bear an interest rate of "Prime Rate" as published in the Wall Street Journal as of the date of approval.. Typical credit limit: Maximum Loan Amount is $100,000. Loan terms: Negotiable based upon cash flow of business or life expectancy of assets financed (typically five years), not to exceed twenty-five (25) year..