Capital Access Program


New York State's Capital Access Program (CAP) is a $7.9 million program that provides matching funds to financial institutions for loan loss reserves as an incentive to increase small business lending.

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CAP can be used with term loans or lines of credit, on financing for working capital needs, technology or facility upgrades, business startups or business expansions.

Benefits of CAP participation:

  • Expands the small to middle market business customer base.
  • Limits exposure to losses through a reserve fund.
  • Enhances Community Reinvestment Act (CRA) efforts.
  • All loan decisions are in the hands of the Lender, without any approval required by ESD or any other entity
  • Provides credit enhancement to all types of loans


Participating Lenders
Financial institutions must enter into a Capital Access Program Lender Agreement with Empire State Development before enrolling loans. For more information on how to become a participating lender, please see the Program Overview.

Small Businesses
If your business is an independently owned and operated business that employs less than 100 employees, you can apply for a loan  for business or facility expansion, technology upgrade, business start-up or working capital. CAP participating lenders set terms and make all credit decisions. Here is a list of CAP Participating Lenders.

How to Apply

For small businesses interested in New York State programs, please contact the NYS Small Business Division at 1-800-782-8369 or


Contact Information
For Capital Access Program inquiries, including information for participating lenders, please contact