Your business helps our community — let us return the favor. The CalCAP program frees up financing for small businesses that may have difficulty qualifying for financing. Get competitive fixed or variable rates for a variety of needs — backed by the state of California. Our local lenders will guide you through the process. Contact us today to get started.

  • Makes loans available to small businesses that otherwise may not qualify
  • Loans available for wide range of needs:
    • Equipment purchases
    • Capital projects
    • Working capital
    • Much more
  • Competitive fixed or variable rates
  • Short- and long-term loans available
  • Local San Diego decision-making and processing
  • Personalized service at every step

This program is designed to help California businesses grow and succeed. Borrowers must meet the following criteria to qualify:

  • Primary business and at least 51% of employees or business income, sales or payroll must be in California
  • Business activity resulting from the bank's loan must be created and retained in California
  • Business must have fewer than 500 employees and be classified as a small business under U.S. Small Business Administration guidelines (Title 13 of the Code of Federal Regulations)
  • Business must be in one of the industries listed in the qualified Standard Industry Classification (SIC) or the North American Industry Classification System (NAICS) codes list