USBCI includes two programs:

• The Capital Access Program is a flexible loan loss reserve program that provides lenders with a way to fund projects considered too risky for conventional lending. 
  • Eligible lending partners include banks, credit unions, and CDFIs.

• The Loan Participation Program is a program where the state purchases up to 50% of a loan originated by a lender to lower rates and expand access to capital. 
  • Eligible lending partners include banks, credit unions, CDFIs, revolving loan funds, and non-profit lenders. 

For a 1-page summary of the USBCI programs, click here. To learn more about each program, click the boxes below.