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

Portal ID:
Opportunity Type:
  • Loan
Last Updated:



The program is designed to assist small businesses with financing the costs to alter or retrofit existing facilities to comply with the requirements of the federal Americans With Disabilities Act of 1990.


The CalCAP for ADA Program encourages banks and other financial institutions to make loans to small businesses that have difficulty obtaining financing. CalCAP is a loan loss reserve program which may provide up to 100% coverage on losses as a result of certain loan defaults. With CalCAP portfolio support, a lender may be more comfortable underwriting small business loans.

The loans in this program must be used for alterations or retrofits to existing small business facilities to comply with the requirements of the federal Americans Disabilities Act (ADA) of 1990. Loans enrolled in the program may receive up to 100% coverage in case of defaults. The maximum loan amount is $5,000,000.00 with only $50,000.00 enrolled in the program. CPCFA does not work directly with borrowers to apply for financing, applicants must apply through participating financial institutions. loans enrolled to date.

Eligibility Requirements

Eligible Applicants:

  • Business

This program is for small businesses with 30 or fewer full-time equivalent employees OR those that have a total annual gross income of less than $5 million and need a loan for physical retrofits to the small business of less than 10,000 square feet for compliance with the federal Americans with Disabilities Act. A qualified business must have its primary location and facility located in California and cannot provide overnight accommodations.

Eligible Geographies:

The business must be located in California. Loans for areas with high unemployment rates and/or are within a declared disaster area are eligible for additional funding.

Matching Funding Requirement:

Yes, both Borrower and Lender pay fees between 2-3.5% of the loan enrollment amount.

Important Dates

The date (and time, where applicable) by which all applications must be submitted to the grantmaker. Time listed as “00:00” equates to midnight.
The date on which the grantor expects to announce the recipient(s) of the grant.
On a rolling basis
The length of time during which the grant money must be utilized.

Funding Details

The total projected dollar amount of the grant.
A single grant opportunity may represent one or many awards. Some grantors may know in advance the exact number of awards to be given. Others may indicate a range. Some may wish to and wait until the application period closes before determining how many awards to offer; in this case, a value of “Dependent” will display.
Grant opportunities representing multiple awards may offer awards in the same amount or in varied amounts. Some may wish to wait until the application period closes before determining per-award amounts; in this case, a value of “Dependent” will display.
Certain grants require that the recipient(s) provide a letter of intent.
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The funding source allocated to fund the grant. It may be either State or Federal (or a combination of both), and be tied to a specific piece of legislation, a proposition, or a bond number.
  • State

Funding Source Notes:

Funded by Assembly Bill 1230 (Chapter 787, Statutes of 2015)

The manner in which the grant funding will be delivered to the awardee. Funding methods include reimbursements (where the recipient spends out-of-pocket and is reimbursed by the grantor) and advances (where the recipient spends received grant funds directly).
  • Reimbursement(s)

Funding Method Notes:

The funds are provided to the Borrower by the participating CalCAP enrolled financial institution. Each CalCAP Lender has a loan-loss reserve account that is built up by the fees paid by both the lender and borrower for each enrolled loan in the program.  CPCFA's contributions go into the accounts for each lender. The loan amounts that the borrowers receive are determined by the lender.

How to Apply

State agencies/departments recommend you read the full grant guidelines before applying.


For questions about this grant, contact: