Business and Industry Guaranteed Loan Program — Regent Bank is a business loan from Regent Bank. Typical credit limit: The total amount of Agency loans to one borrower must not exceed $10 million.. Loan terms: The maximum repayment for loans on real estate will not exceed 30 years; machinery and equipment repayment will not exceed the useful life of the machinery and equipment purchased with loan funds or 15 years, whichever is less; and working capital repayment will not exceed 7 years..