California Pollution Control Financing Authority

California Capital Access Program (CalCAP) for Small Business

Designed to provide up to 100% coverage on certain loan defaults.

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If you have any questions about the California Capital Access Programs or CPCFA, please contact us.

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The California Capital Access Program for Small Business (CalCAP SB or Program) encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. If you own a small business and need a loan for start-up, expansion or working capital, you may receive more favorable loan terms from a lender if your loan is enrolled in the CalCAP Loan Loss Reserve Program. This program helps communities by providing financing to businesses that create jobs and improve the economy.

CalCAP is a form of loan portfolio insurance which may provide up to 100% coverage on losses as a result of certain loan defaults. With CalCAP portfolio insurance, a lender is able to cover portions of loans that exceed the risk threshold normally set for business loans.

Check to see if your commercial lender or financial institution participates in CalCAP 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.

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