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California Capital Access Programs (CalCAP)

Name of Service: California Capital Access Program (CalCAP)

Rachell Owen-Reinwald

(916) 653-2995

Cost: No-Cost, Discounted
Description of Product / Service:
The California State Treasurer’s office offers two capital access programs: (1) CalCAP for Small Business (SB) is a program that incentivizes participating financial institutions to address the growing and ongoing financing needs of California’s small business borrowers by providing a safety net of matching contributions to loan loss reserve accounts for these lenders. This proven financing mechanism has helped thousands of California small businesses gain financing they otherwise would not have been able to access. (2) CalCAP Collateral Support is a credit enhancement program which is a part of the State Small Business Credit Initiative (SSBCI 2.0) and provides a risk management tool to financial institutions for use when a small business is in a strong position to obtain capital except for having too little collateral. Here is a list of lenders that facilitate the two CalCAP programs: