California Capital Access Programs – CalCAP

How CalCAP Supports Small Business Lending in California

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.