California Capital Access Program (CalCAP)
Americans With Disabilities Act (ADA) Financing Program
Designed to assist small businesses with financing the costs to alter or retrofit existing facilities to comply with the requirements of the federal Americans With Disabilities Act of 1990.
The California Capital Access Americans with Disabilities Act (ADA) Financing Program (CalCAP/ADA Financing Program or CalCAP/ADA) encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. CalCAP is a loan loss reserve program which may provide up to 100% coverage on losses as a result of certain loan defaults. With CalCAP portfolio support, a lender may be more comfortable underwriting small business loans.
If you own a small business with 15 or fewer full time equivalent employees and need a loan for physical alterations or retrofits to your small business facility of less than 10,000 square feet for compliance with the federal Americans with Disabilities Act, you may receive more favorable loan terms from a lender if your loan is enrolled in the CalCAP/ADA Financing Program. Qualified Businesses must have their primary business location and small business facility in California, have a total annual gross income of less than $1 million, and cannot provide overnight accommodations. Coming in 2018, income limit will increase to less than $5 million in total annual gross income from all sources.
Check to see if your commercial lender or financial institution participates in CalCAP/ADA or find a participating lender. If your financial institution does not currently participate, it is easy for lenders to sign up. Please have your institution complete the Financial Institution Application and send to CalCAP to get started.
Lender Sign Up for the Program
Loans, Claims and Reports
- Loan Enrollment Documents
- Change in Loan Terms