Ohio Capital Access Program

The Ohio Capital Access Program encourages state depository financial institutions to make loans to for-profit or nonprofit small businesses that are having difficulty obtaining business loans through conventional underwriting standards.

Who can apply? Any small business or non-profit

Criteria: Lender must enter into a Capital Access Program Participation Agreement to be eligible to enroll loans in the programs. An eligible borrower must be a small business with annual sales of less than $10 million; the borrower’s principle place of business must be in Ohio; and the borrower must create or retain jobs. Maximum $250,000 for working capital; maximum $500,000 for fixed assets. 

Review and Approval: CAP reserve account in the name of the Director, ODOD must be established at the participating lender.


  • Borrower – 1.5 – 3% of the principal amount of the CAP to be enrolled.  Lender determines percentage.  Borrower can include contribution in the loan. 
  • Lender: Must match the borrower’s contribution.  Lender may recover all or part of its contribution. 
  • State: An amount equal to 10% of the principal amount of the CAP to be enrolled. An amount equal to 50% of the principal amount of the loan will be contributed on the lender’s 1st through 3rd enrollment. An amount equal to 80% of the principle amount of the loan will be contributed for all state certified MBEs enrolled. Normal and customary fees may be charged by the lender; no additional fees are charged by the state. Lender must submit CAP enrollment forms to the MBE Division.

Contact: Ohio Department of Development at