California Pollution Control Financing Authority

CalCAP for Small Business (CalCAP SB)

Loan loss reserves for microloans and loans up to $5 million
for financial institutions lending to California’s small businesses
which struggle to access capital


CalCAP for Small Business is a credit enhancement program which is a part of the State Small Business Credit Initiative (SSBCI 2.0). Credit enhancement builds relationships between small businesses and financial institutions. Financial institutions invest in California’s small businesses; small businesses grow the California economy.

CalCAP for Small Business provides a post-disbursement risk management tool for financial institutions when a small business presents a solid business plan but has underwriting challenges. It is available to participating financial institutions for loans and lines of credit up to $5 million, for a wide range of business needs.