Minority Business Enterprise Division

The Ohio Capital Access Program encourages state chartered financial institutions to make loans to For Profit or Non Profit small businesses that are having difficulty obtaining business loans through conventional underwriting standards.

The Ohio Capital Access Program encourages lending by establishing a unique loan "guarantee" reserve pool at an Ohio Capital Access Program participating lending institution. The state, the lender and the borrower each pay a small fee contribution into the pool. The reserve pool is available to the participating lender for recovery of any losses on any loan they have enrolled in the Ohio Capital Access Program.

Financial institutions: must enter into a Capital Access Program Participation Agreement with the Ohio Department of Development in order to be a participating lender.

Small businesses: should apply for a working capital, refinance or fixed asset loan with any participating lender.

The participation and enrollment process for lenders is simple. The access to capital for small businesses is finally here.

Please take a moment to review the following program information:

• Program Information
  • Capital Access Program Fact Sheet (pdf) 
  • Capital Access Program Presentation (ppt)
  • Capital Access Participation Agreement (pdf)
  • Participating Lenders (pdf)
• Forms
  • Loan Enrollment and Certification Form (pdf )
  • Loan Enrollment and Certification Form Borrower’s Information (pdf)
  • Claim Form (pdf)
  • Notice to Borrower Form (pdf)

Contact US:

Office of Minority Business Financial Incentives
Minority Business Enterprise Division
Ohio Department of Development
77 South High Street, 26th Floor,
Columbus, Ohio 43215-6108
(614) 644-7708