Capital Access Programs (CAP)

About this funding opportunity

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The Oregon Capital Access Program (CAP) helps lenders (banks and credit unions) make more commercial loans to small businesses and provides capital for start-up or expansion. The program is designed for non-profit and for-profit businesses seeking funds for most business purposes.

Contact

Business Finance Officer

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How Does Funding Work?

Lenders build a loan-loss reserve each time they enroll a loan. Contributions to the loan-loss reserve account are matched by Oregon Capital Access Program.

CAP loans: Have enrollment fees between 3% and 7% as determined by the financial institution; Will receive a match on the enrollment fee of up to $35,000 per borrower; and Have rates and terms for repayment determined by the lender.

CAP loans may not be used to: Purchase or improve residential housing; Purchase or improve real property not used for business operations; or Refinance an existing balance of a non-enrolled loan. Who is Eligible?

All types of loans and lines of credit are eligible. Enrolled Lenders Bank of the Pacific Citizens Bank Columbia Bank First Interstate Bank Lewis and Clark Old West FCU Oregon Pacific Bank Rivermark Community Credit Union Summit Bank Unitus Community Credit Union Willamette Valley Bank

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Topic areas: Public Policy and Governance, Social Innovation and Community Development, Workforce Development.

Funding amount

This grant provides Varies in funding.

Deadline

Applications are accepted on a rolling basis; there is no single fixed deadline.

Who can apply

This opportunity is open to the following applicant types:

• Not specified by the program.

Eligibility

The program did not publish a separate eligibility statement. See the official opportunity page for the full eligibility criteria.

Agency

Capital Access Programs (CAP) is administered by Business Oregon (Oregon Business Development Department) (Business Oregon), listed via Business Oregon (Oregon Business Development Department).