FOR COMMUNITY BANKS
Expand your community lending. Support small businesses. Keep your process.
The CPCFA LPP partners with California community depository banks and minority depository institutions, sharing lending risk to help you extend more capital to California small businesses. CCA confirms eligibility quickly, so your closings stay on track.
Line of credit
$500,000
Participation range
25%–50%
Program fees
$0 borrower & lender
WHY PARTNER
Why partner with the program
Federally funded participation capital paired with a process that respects your underwriting and your closing timeline.
$150M in participation capital
Access federal SSBCI funds allocated to California through the Capital Programs and Climate Financing Authority, an authority within the State Treasurer's Office.
Your underwriting and credit
You set your underwriting and rate (capped at WSJ Prime + 6.5%). The CPCFA LPP shares lending risk on qualifying loans — supporting your credit decisions while advancing the SSBCI mission of expanding access to capital.
More room to say yes
Increase capital to California small businesses, help borrowers secure lower rates, close more transactions, and strengthen local relationships.
Built for your timeline
No program fees for borrower or lender. CCA's eligibility confirmation is built to move at the pace of your closing.
AT A GLANCE
Program parameters at a glance
A complete summary of structure, participation limits, and program economics for participating lenders.
Loan size range
$100K–$20M
Eligible loan size.
Maximum term
10 years
Balloon allowed; amortization up to 25 years.
CPCFA participation
25–50%
Of the loan, up to $5,000,000.
Maximum interest rate
WSJ Prime + 6.5%
Rate cap on qualifying loans.
Program fees
$0
For borrower and lender.
Allowable lender fees
≤ 1.00%
Origination & documentation fees.
Eligible structures
Lines of credit, term loans, SBA 504 interim loans
Supported financing structures.
Geography
California
Where loan proceeds must be used.
ELIGIBILITY
Eligible business & use of funds
A quick reference for what qualifies under the CPCFA LPP — and what falls outside program guidelines.
Eligible
01
Eligible businesses
Between 1 and 750 employees, principal place of business in California with 51%+ of operations and employees in-state, registered and in good standing with the California Secretary of State, and qualifying as a small business under SBA size standards (NAICS code). Borrower must not have a conflict of interest with an executive officer, director, or principal shareholder of the lending institution.
Eligible
02
Eligible business structures
Sole proprietorships, LLCs, corporations and S-corporations, partnerships, cooperatives, not-for-profits, employee-owned entities, and independent contractors.
Eligible
03
Eligible uses of funds
Working capital; equipment, machinery, or furniture; franchise fees; tenant improvements; building purchase or renovation (51%+ owner-occupied); new construction (60%+ owner-occupied); owner-occupied commercial real estate; land acquisition; SBA 504 interim loans; and eligible refinancings. Funds must be used for an active business purpose in California.
Ineligible
04
Ineligible business types & uses
Lending, investing, or insurance services; gambling or pyramid sales; cannabis or tobacco-related businesses; passive real estate investment; adult entertainment; liquor stores, massage parlors, saunas/hot tubs, racetracks, and gun clubs/shooting ranges. Ineligible uses include lobbying, speculative activities, repaying delinquent taxes (unless on a payment plan), purposes outside California, and refinancing existing loans already held by the participating lender.
Get Started
Ready to enroll?
Have your bank's program contact connect with CCA to start the conversation.
Learn More
No program fees · Statewide consortium of community lenders
