California Pollution Control Financing Authority

California Capital Access Programs – CalCAP

CalCAP provides support to financial institutions when they make loans to small businesses


The CalCAP programs incentivize participating financial institutions (PFIs) to make loans for a wide array of small business borrower (SBB) financing needs, as well as very specific small business capital needs. The original California Capital Access Program, now known as CalCAP for Small Business, began in 1994, now has multiple co-programs. The CalCAP programs use two different mechanisms, loan loss reserve and collateral support, to help build a safety net for PFIs when they do the important work of making capital available to SBBs.

CalCAP for Small Business Collateral Collateral Support State Small Business Credit Initiative Americans With Disabilities Act Financing Program California Seismic Safety Financing Program CalCAP Zero-Emission Programs