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Oregon Administrative Rules

Oregon Revised Statutes (ORS)

Oregon Capital Access Program

The Oregon Capital Access (CAP) Program 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.

All types of loans and lines of credit are eligible. 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.