The Southwest Georgia United is a business loan from Southwest Georgia United. The ongoing APR is Interest rate may be as low as 8%.. Typical credit limit: Loan Amount may be as much as $250,000 when the Program is the only financing source. Loans of up to $3 million may be provided in gap financing projects.. Loan terms: Loan repayment term can be up to ten years (minimum 12 months). Amortization period may be longer than the loan term. Flexible repayment conditions..