California Capital Access Program (CalCAP) Seismic Safety Financing Program

Portal ID:
Active (1 total application submitted)
Opportunity Type:
  • Loan
Last Updated:



The CalCAP/Seismic Safety Financing Program is designed to assist California small businesses and residential property owners with financing the costs for seismic retrofit construction alterations to buildings in order to substantially mitigate potential damage from seismic events.


The loans in this program must be used to help eligible California small businesses and residential property owners (including multi-unit dwellings and registered mobilehomes) to finance the costs of seismically retrofitting existing buildings and homes. Loans enrolled in the program may receive up to 100% coverage in case of defaults.

Proceeds from loans enrolled in the CalCAP/Seismic Safety Financing Program may be used for seismic retrofit construction alterations performed on or after January 1, 2017, of a qualified building or its components to substantially mitigate seismic damage. Seismic retrofit construction includes, but is not limited to, the following:

  • Anchoring the structure to the foundation
  • Bracing cripple walls
  • Bracing hot water heaters
  • Installing automatic gas shutoff valves
  • Repairing or reinforcing the foundation to improve the integrity of the foundation against seismic damage
  • Anchoring fuel storage
  • Installing an earthquake-resistant bracing system for mobilehomes that are registered with the Department of Housing and Community Development
  • Strengthening a building’s lateral load resisting system

The maximum loan enrollment amount is $5,000,000.00 with $250,000.00 enrolled in the program.
CPCFA does not work directly with borrowers to apply for financing, applicants must apply through participating Financial Institutions.
The total number of loans enrolled (2016-2019) is 3, with an average loan amount of $95,000.00.

Eligibility Requirements

Eligible Applicants:

  • Business
  • Individual

The Borrower must have legal control of the facility for a term that is equal to or greater than the length of the enrolled loan, and assumes the financial liability of the loan.When the qualified building is a mobile home or a manufactured home, it is required that the home is currently registered in the Borrower's name with the Department of Housing and Community Development.

Eligible Geographies:

The small business or home must be located in California. The loans for areas with high unemployment rates or that are within a declared disaster area are eligible for additional funding.

Matching Funding Requirement:

Yes, the Borrower and Lender both pay fees, which range 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 depending on the lender
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.
Certain grants require that the recipient(s) be able to fully or partially match the grant award amount with another funding source.
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 Senate Bill 837 (Chapter 32, Statutes of 2016)

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 loans 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: