Pennsylvania Capital Access Program (PennCAP)

Loan Guarantee Program Designed for Start-ups and Other Small Businesses.

The Pennsylvania Capital Access Program (PennCAP) is a loan guarantee program designed to help borrowers that don’t quite meet the bank’s normal small business lending requirements. Borrowers apply for PennCAP loans directly through participating banks. A borrower must have a branch of a participating bank in their local area in order to receive a PennCAP loan through that bank. All loan terms, conditions and use of proceeds are negotiated directly with the participating bank.

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