Capital Access Program

The Capital Access Program (CAP) is a partnership between the State of Texas and selected non-profit lenders to increase access to financing for small and medium-sized businesses and non-profits which face barriers to accessing capital or fall outside of guidelines of conventional lending. The Program facilitates loans which are underwritten by the participating non-profit lenders and supported by the state contributions to a loan loss reserve fund.

Who Can Apply?

Small and medium-sized businesses and non-profit organizations which are domiciled in the State of Texas or have at least 51% of their employees located in the state and which are seeking financing for projects, activities or enterprises in the state that foster economic development.

Type of Incentive

Loans whose proceeds may be used for working capital or the purchase, construction or lease of capital assets, to include buildings and equipment. The state supports program loans made by each participating lender through contributions to a loan loss reserve account.

Eligibility Details

For full eligibility and program details, see the CAP Overview & FAQs.

  1. Eligible businesses must have no more than 499 employees to qualify.
  2. Loans may not be used to construct or purchase residential housing to make simple real estate investments, excluding real estate occupied by the applicant’s business.


With a rolling application process, interested applicants must apply for a loan directly through a participating lender listed below. All loan terms are established between the borrower and the lender.

Participating lenders are the primary point of contact for prospective applicants. CAP currently works with the following 2 lenders:

Lift Fund

(888) 215-2373
2007 W. Martin St.
San Antonio, Texas 78207

People Fund

(512) 472-8087
2921 E. 17th Street, Bldg. D, Suite 100
Austin, Texas 78702
(512) 472-8191 FAX

Texas Economic Development

P.O. Box 12428
Austin, Texas 78711

Phone: (512) 936-0100

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