California Capital Access Program (CALCAP)

$2.5 Million in Small Business Loans

The California Capital Access Program loans up to $2.5 million to small businesses that fall just outside most banks' underwriting standards. These loans are flexible:

  • Short or long-term
  • Secured or unsecured
  • Fixed or variable rates

The borrower pays a premium, just like an insurance payment, to get the loan. If you are located in a state Enterprise Zone (EZ), the state may pay all or part of the premium. 

Guidelines & Restrictions

  • Borrowers must be a small business (same criteria as the SBA), with its primary business and 50% of its business in California
  • Loan proceeds must be used to grow the business within California
  • Loans cannot be used for luxury or gambling facilities or businesses that sell alcohol to be consumed off-site