Capital Access Program: participating-lender business loans
Oregon application preparation guide
Source review: 2026-10-11

Funding type: Loan guarantee  -  borrowing and repayment required
Service area: Shared Oregon or institution-specific route
A state-supported loan-loss reserve helps participating lenders finance business startup and expansion.

Who can apply
For-profit or nonprofit business purposes through an enrolled lender; housing, passive real estate and certain refinancing uses excluded.

Amount or support
Rates, repayment terms and enrollment fees are determined by the lender.

Availability
Confirm current funding, eligibility and application requirements with the provider.

Deadline or timing
No fixed deadline stated in reviewed guidance; ask the provider about current intake and funds.

Prepare (the provider may request other or alternative documents)
[ ] Borrower representations
[ ] Participating lender’s loan application and requested business records

How to apply
1. Choose a bank or credit union on the enrolled-lender list.
2. Ask it about a CAP-supported loan or credit line and applicable fees.
3. Complete the lender’s application and borrower representations.
4. The lender decides credit terms and handles program enrollment.

Official application or contact route: https://www.oregon.gov/biz/programs/cap/pages/default.aspx
Keep a copy or confirmation number and check provider messages for next steps.

Limits: This is repayable credit with a reserve mechanism, not a business grant.

Publisher sources
Business Oregon : Capital Access Program : Capital Access Program (CAP) : State of Oregon
https://www.oregon.gov/biz/programs/cap/pages/default.aspx
Captured evidence SHA-256: 0a958822a09370b07bfc28b1cb638976e443d3b5272777a90eaa11befd6341cd

This is a preparation guide. Submit the application directly to the responsible provider. This navigator does not submit applications or decide eligibility.

Start here
Choose a bank or credit union on the enrolled-lender list.

Where and how to submit
Read the linked publisher instructions to confirm the receiving office, accepted submission method and current forms. This page has not separately verified those details. A county filter does not decide the correct court or filing location.
https://www.oregon.gov/biz/programs/cap/pages/default.aspx

What will it cost?
A program-specific cost explanation has not been verified. Ask the provider whether this route has any fees, required contribution or repayment terms, and what cost assistance is available.

After submission
Keep a copy of what you send and its confirmation or receipt. Ask the receiving office how to track it, when to expect a response and how it will request missing information. These follow-up details have not been separately verified for this route.

Corrections, denials and appeals
Read any returned filing, correction request or denial notice promptly. Ask the responsible office for the correction, review or appeal instructions and the deadline that applies to your notice. This guide does not verify a route-specific appeal process.

Language, disability and offline help
Ask the receiving office about language assistance, disability accommodations and an alternative to online submission. Available options have not been separately verified for this route.