Empowering California
Small Businesses with
Capital Access

The CPCFA Loan Participation Program helps California businesses access the capital they need to grow and succeed through federal SSBCI participation in eligible small business loans.

For Small Businesses

Become a Lender

Available program capital

$150M

Ready to deploy through California community lenders.

Eligible loan size range

$100K–$20M

A wide range to support businesses at every stage.

Program fees

No program fees for borrower or lender.

The mechanism

How it works

The CPCFA LPP shares lending risk with participating California community lenders, helping them increase access to capital and offer lower interest rates on qualifying small business loans.

A small business applies with a participating lender

Borrowers work directly with a California community lender in the program.

CPCFA participates alongside the lender

The program buys a portion of the loan, sharing lending risk with the lender.

Capital flows to California small businesses

Lenders can extend more credit at more affordable rates to qualifying borrowers.

Northern California

Bay Area

Southern California

Central Valley

Statewide partnership

A Team California approach

This program keeps capital working in California by supporting jobs, local economies, and small businesses seeking affordable credit. It is delivered through a consortium of California community lenders, helping expand access to responsible financing across the state.