Capital Access Program


The Capital Access Program (CAP) is a partnership between the State of Texas and selected non-profit lenders to increase access to financing for small and medium-sized businesses and non-profits which face barriers to accessing capital or fall outside of guidelines of conventional lending.

The Program facilitates loans which are underwritten by the participating non-profit lenders and supported by the state contributions to a loan loss reserve fund.

Who Can Apply?

Small and medium-sized businesses and non-profit organizations which are domiciled in the State of Texas or have at least 51% of their employees located in the state and which are seeking financing for projects, activities or enterprises in the state that foster economic development.

Type of Incentive

Loans whose proceeds may be used for working capital or the purchase, construction or lease of capital assets, to include buildings and equipment. The state supports program loans made by each participating lender through contributions to a loan loss reserve account.

Eligibility Details

  1. Eligible businesses must have no more than 499 employees to qualify.

  2. Loans may not be used to construct or purchase residential housing to make simple real estate investments, excluding real estate occupied by the applicant’s business.