California Capital Access Program (CalCAP)
Americans With Disabilities Act (ADA) Financing Program

The California Capital Access Americans with Disabilities Act (ADA) Financing Program (CalCAP/ADA Financing Program or CalCAP/ADA) supports financial institutions when they make loans to small businesses that may otherwise have difficulty obtaining financing. CalCAP is a loan loss reserve program which provides up to 100% coverage on losses as a result of certain loan defaults.

If you own a small business with 30 or fewer full time equivalent employees OR have a total annual gross income of less than $5 million and need a loan for physical alterations or retrofits to your small business facility of less than 10,000 square feet for compliance with the federal Americans with Disabilities Act, you may receive more favorable loan terms from a participating financial institution if your loan is enrolled in the CalCAP/ADA Financing Program. Qualified Businesses must have their primary business location and small business facility in California and cannot provide overnight accommodations.

Check to see if your commercial lender or financial institution participates in CalCAP/ADA or find a participating financial institution lender. If your financial institution does not currently participate, it is easy for lenders to sign up.  Please have your institution complete the Financial Institution Application and send to CalCAP to get started.

Borrowers will need to contact a Participating Financial Institution to start the CalCAP loan enrollment process

Financial Institution Sign Up for the Program

• What Financial Institutions Qualify to Participate?
• Financial Institution Application
• Certification to Participate in the California Capital Access Program

Loans, Claims and Reports

• Loan Enrollment Documents
  • Loan Enrollment Application - ADA
  • Participating Financial Institution Lender Certification - ADA
  • Borrower Certification - ADA
  • CalCAP Supplemental SAC Contribution Form (Participating Financial Institutions can utilize this form to select a qualifying event to receive a Severely Affected Community (SAC) contribution.)
  • Privacy Notice
  • Borrower’s Agreement to Pay Participating Financial Institution Lender’s Fees
• Change in Loan Terms
  • Notification of Change in Loan Terms Form
• Claims
  • Claim Application
• Reports
  • Quarterly Reporting Schedule
  • Quarterly Report Instructions & Template
• Media Release Authorization
  • Media Release Form

Borrower Reimbursement Request

CalCAP/ADA offers the opportunity for borrowers to receive reimbursement for CASp inspection reports. Reimbursement can be up to 5% of the enrolled loan amount.

• Borrower Reimbursement Request
  • Borrower Reimbursement Request Form