California Pollution Control Financing Authority

California Capital Access Program (CalCAP)
California Seismic Safety Capital Access Loan Program

Designed to assist California small businesses and residential property owners with financing the costs for seismic retrofits

The purpose of the program is to assist California small businesses and residential property owners (including multiunit dwellings and mobile homes registered by the California Department of Housing and Community Development) with financing the costs to seismically retrofit existing buildings and homes.

The California Capital Access Program (CalCAP), administered by CPCFA since 1994, encourages banks and other financial institutions to make loans to small businesses.

CalCAP is a form of Loan Loss Reserve coverage which may provide up to 100% coverage on certain loan defaults. By participating in CalCAP, lenders have available to them a proven credit enhancement to meet the financing needs of California's small businesses.

CalCAP invites financial institutions to participate in this new program.  It is easy for lenders to sign up.  Please have your institution complete the Financial Institution Application and send to CalCAP to get started.

Eligible Uses of Loan Proceeds

Proceeds from loans enrolled in the CalCAP/Seismic Safety Financing Program may be used for seismic retrofit construction alterations performed on or after January 1, 2017, of a qualified building or its components to substantially mitigate seismic damage. Seismic retrofit construction includes, but is not limited to, all of the following:

  • Anchoring the structure to the foundation
  • Bracing cripple walls
  • Bracing hot water heaters
  • Installing automatic gas shutoff valves
  • Repairing or reinforcing the foundation to improve the integrity of the foundation against seismic damage
  • Anchoring fuel storage
  • Installing an earthquake-resistant bracing system for mobile homes that are registered with the Department of Housing and Community Development

Eligible Lenders

Any federal or state-chartered bank, savings association, certified Community Development Financial Institutions (CDFI), or credit union is eligible to participate in CalCAP. A lender must certify that it is in good standing with its regulatory body (Federal Reserve, Federal Deposit Insurance Corporation, Comptroller of Currency, Thrift Supervision, National Credit Union Administration, or state banking authority). Finance Lenders, micro lenders and others regulated by the Department of Business Oversight may also be eligible.

Lender Sign Up for the Program


The maximum enrolled loan amount is $250,000 and can be insured for up to ten years. Lenders set all of the terms and conditions of the loans. Loans can be short or long-term, have fixed or variable rates, be secured or unsecured, and bear any type of amortization schedule.