Tools for Building Owners
CalCAP/Seismic Safety Financing Program
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If you have any questions about the California Capital Access Programs or CPCFA, please contact us
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How Does the CalCAP/Seismic Safety Financing Program Work?
Frequently Asked Questions (FAQs)
Costs to Enroll Loans in the Program
| Participating Financial Institution Contribution to the Loan Loss Reserve Account | 2-3.5% of the loan amount |
| Small Business Owner Contribution to the Loan Loss Reserve Account | Equal to the participating financial institution’s portion |
| Other Loan Terms | All other loan terms and underwriting are determined by the participating financial institution |
| CalCAP/Seismic Safety Contribution to the Loan Loss Reserve Account | For term 0-60 months, four times the participating financial institution's portion For term of 61-120 months, three times the participating financial institution's portion |
| Additional CalCAP/Seismic Safety Contribution to the Loan Loss Reserve Account for a Loan to a Small Business in a Severely Affected Community | For term 0-60 months, two times the participating financial institution's portion For term of 61-120 months, equal to the participating financial institution's portion |