Minority Business Enterprise Division MCBAP - Minority Contractors Business Assistance Program … provides outreach for the Minority Business Enterprise Division into the minority business community. The MCBAP offices assist minority entrepreneurs with loan and bond packaging services, management, technical, financial and contract procurement assistance. OMFI - Office of Minority Business Financial Incentives … a frequent obstacle to minority and small business expansion and growth is the lack of capital. The Office of Minority Business Financial Incentives administers loan and bond programs that promote the growth and establishment of minority and small enterprises in Ohio. OMFI administers the Capital Access Program, Minority Direct Loan Program, The Ohio Mini-Loan Guarantee Program and the Minority Business Bond Program.