CalCAP LPP Administered by CCA: Information for Financial Institutions
A core focus of the CalCAP Statewide LPP will be delivering short-term lines of credit to small businesses which need immediate working capital. These products are especially vital for VSB (very small business, defined as nine or fewer employees, including owners) and SEDI (socially and economically disadvantaged individual, as defined by SSBCI guidelines) borrowers facing cash flow gaps, contract mobilization needs, or urgent payroll demands—ensuring timely access to capital that supports business continuity and growth.
The CalCAP Statewide LPP will support eligible loans starting at $100k, which will also strategically focus on historically underserved businesses seeking to expand through larger public contracts and business opportunities. Many of these firms require $250K–$500K lines of credit to bridge funding gaps tied to bonding, mobilization, and payroll. In addition, firms need access to larger loans ($1-$5M and above) for long-term strategies.
Currently, community banks which maintain physical branches and offices in California can participate.
The participating community banks and those community banks interested in participating in the CalCAP Statewide LPP will be able to access a website and online portal, which will be linked here at program launch. Eligible lenders interested enrolling in the program can reach CCA at connect@teamcca.com.
The CalCAP Statewide LPP is set to launch with a spring rollout in the second quarter of 2026, ahead of summer.