For small businesses, SSBCI credit enhancements are incentives to financial institutions to loan to small businesses. CPCFA currently offers two SSBCI credit enhancement programs, and IBank offers one.
- CPCFA’s CalCAP for Small Business offers a quick process which is popular with financial institutions for microloans, and loans and lines of credit up to $5 million.
- CPCFA’s CalCAP Collateral Support is ideal for when a small business is a strong position to obtain a loan, except for inadequate collateral. It enrolls loans and lines of credit up to $20 million.
- CPCFA's CalCAP Statewide Loan Participation Program helps participating lenders extend more accessible financing to eligible California small businesses — including potentially lower rates, more flexible terms, or larger loan sizes. It enrolls
loans, lines of credit and interim loans from $100,000 - $20 million.
- IBank’s Small Business Loan Guarantee addresses a wide range of underwriting concerns for loans and lines of credit up to $20 million.