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Oregon Capital Access Program (CAP)
General · Business Oregon · OR
The Oregon Capital Access Program, run by Business Oregon, is a credit enhancement program that helps Oregon businesses qualify for bank loans by having the state match lender loss reserves up to $35,000 per borrower — it's not a cash grant, and it's for Oregon for-profit and non-profit businesses working with participating lenders.
The Oregon Capital Access Program (CAP) is a state-run credit enhancement program administered by Business Oregon, the state's economic development agency. It is not a cash grant to businesses. Instead, CAP helps Oregon businesses obtain bank loans and lines of credit that might otherwise be declined by building a loan-loss reserve fund at participating lenders. When a business borrows through an enrolled partner lender, the state contributes matching funds — up to $35,000 per borrower — into that lender's reserve, which reduces the lender's risk and can make the lender more willing to approve financing.
This program is supported by the federal State Small Business Credit Initiative (SSBCI) and is available to for-profit and non-profit Oregon businesses seeking loans or lines of credit from a participating lender, for most standard business purposes. Because CAP works through the bank rather than issuing direct funds to businesses, a small-business owner's first step is really to find and work with one of the program's enrolled lenders, not to apply directly to the state for money.
For a small-business owner, CAP matters because it can be the difference between a loan application being declined and approved, particularly for businesses that don't fit a lender's typical risk profile but are otherwise creditworthy. It doesn't replace collateral or a solid loan application, but it gives lenders more flexibility.
Because deadlines, current funding levels, and lender participation can change, applicants should check the official Business Oregon CAP page for the latest details before applying.
Who qualifies
How to apply
Questions people ask
Is this a grant or a loan?
It's neither in the traditional sense — it's a credit enhancement program that helps businesses get bank loans by reducing lender risk through a state-matched reserve fund.
Do I have to repay the money?
You repay the loan you get from the participating lender under its normal terms; the state's matching contribution goes into a lender loss reserve, not directly to you.
Who is eligible?
For-profit and non-profit Oregon businesses borrowing from an enrolled partner lender for most business purposes. Confirm eligibility at the official source.
How much funding is available?
The state contributes matching funds to the lender's reserve of up to $35,000 per borrower; this is not a direct cash amount paid to the business.
Is there a deadline?
The listing says to check current rounds; confirm at the official source.
Where do I apply?
Through one of the program's enrolled partner lenders, not directly with the state. See https://www.oregon.gov/biz/programs/CAP/Pages/default.aspx.
Who runs this program?
Business Oregon, the state's economic development agency, administers CAP.
Is this funded by the state or federal government?
It is state-run and supported by the federal State Small Business Credit Initiative (SSBCI).
Is the funding taxable?
Not specified in the available information; confirm at the official source.
Can non-profits apply?
Yes, both for-profit and non-profit Oregon businesses are eligible if borrowing from a participating lender.
What can the loan be used for?
Most business purposes, according to the eligibility information provided.
Is this only for Oregon businesses?
Yes, it is limited to Oregon-based businesses (OR).
What if my lender isn't enrolled in CAP?
You would need to work with a lender that participates in the program; confirm the list of enrolled lenders at the official source.
Opportunity number: not published. Source: curated + verified (official state source, 2026). GetFundedUSA is independent and not affiliated with Business Oregon; always confirm current deadlines, amounts and eligibility on the sponsor's own page before applying.