Capital Access Program: participating-lender business loans
Resources, agencies and counties · resources
What this source covers
A state-supported loan-loss reserve helps participating lenders finance business startup and expansion.
How to use it
Funding type: Loan guarantee - borrowing and repayment required
Who can apply: For-profit or nonprofit business purposes through an enrolled lender; housing, passive real estate and certain refinancing uses excluded.
Support: Rates, repayment terms and enrollment fees are determined by the lender.
Availability: Confirm current funding, eligibility and application requirements with the provider.
Timing: No fixed deadline stated in reviewed guidance; ask the provider about current intake and funds.
Prepare: Borrower representations; Participating lender’s loan application and requested business records
Application steps:
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.
Provider application route: https://www.oregon.gov/biz/programs/cap/pages/default.aspx
Limits and questions to verify
This is repayable credit with a reserve mechanism, not a business grant.
Application-navigation guidance reviewed 2026-10-11 against retained publisher evidence. Original HTML/PDF captures and web-tool extracts are distinguished by evidence type. Source review does not decide eligibility or establish an open application, available funding, an award or a legally verified deadline.
Source: Business Oregon : Capital Access Program : Capital Access Program (CAP) : State of Oregon · https://www.oregon.gov/biz/programs/cap/pages/default.aspx
Stored review status: source_profile_reviewed. A text match is a research starting point; applicability is not established.
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Record provenance
Stable record: resource_directory:resources:1633
Source file: data/source-evidence/2026-10-11/financial-assistance/0a958822a09370b07bfc28b1cb638976e443d3b5272777a90eaa11befd6341cd.html
Pages: Not recorded – Not recorded
Passage SHA-256: 458286268106107ac631b03f875c366b06c851b5a06b6267b7277631c5f511b6
Retained source evidence SHA-256: 0a958822a09370b07bfc28b1cb638976e443d3b5272777a90eaa11befd6341cd
Source location: Program eligibility, application preparation, submission route, timing and current-round limits; statewide source; discovered from https://www.oregon.gov/biz/programs/cap/pages/default.aspx
Source checked: 2026-10-11 (access date, not legal effective date)
Stored source content
What this source covers
A state-supported loan-loss reserve helps participating lenders finance business startup and expansion.
How to use it
Funding type: Loan guarantee - borrowing and repayment required
Who can apply: For-profit or nonprofit business purposes through an enrolled lender; housing, passive real estate and certain refinancing uses excluded.
Support: Rates, repayment terms and enrollment fees are determined by the lender.
Availability: Confirm current funding, eligibility and application requirements with the provider.
Timing: No fixed deadline stated in reviewed guidance; ask the provider about current intake and funds.
Prepare: Borrower representations; Participating lender’s loan application and requested business records
Application steps:
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.
Provider application route: https://www.oregon.gov/biz/programs/cap/pages/default.aspx
Limits and questions to verify
This is repayable credit with a reserve mechanism, not a business grant.
Application-navigation guidance reviewed 2026-10-11 against retained publisher evidence. Original HTML/PDF captures and web-tool extracts are distinguished by evidence type. Source review does not decide eligibility or establish an open application, available funding, an award or a legally verified deadline.
Cross-references
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