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Capital Access Program

ADFA can provide a company with a bond guaranty thereby improving its debt or credit worthiness. Through programs like ADFA's Bond Guaranty Program, investors are provided with reassurance that the borrower will honor their obligation.


The ADFA Capital Access Program makes funds available to borrowers who might otherwise have difficulty in obtaining conventional bank loans.

ADFA, as administrator, is not a party to loan transactions and plays no role in underwriting, approving or servicing the loans. ADFA’s purely administrative role reduces paperwork while at the same time assuring risk-taking by lenders.

The average processing time for a loan is 3 to 5 days.

The Capital Access Program has been a lending incentive for working capital loans for several types of industry within the state, including agriculture, manufacturing, wholesale/retail, construction, and service.


Application for the Capital Access Program has been designed as a simple and straightforward process, requiring only:

  • Capital Access Program Enrollment Form
  • Borrower Representations
  • Notice to Borrower
  • Claim Filing Form
  • a check for the enrollment fee


Participating lending institutions build an earmarked off-balance- sheet loan loss reserve account each time they enroll a loan in the program.

A contribution is required to enroll the loan into the program. This contribution is paid by the Borrower (contribution can be financed as part of the loan) and shall not be less than 3% of the loan amount, nor greater than 7% of the loan amount.

This contribution is then matched by ADFA for a total of 7.5% of the loan amount (150% of enrollment contribution for the first $1million in loans, after which, ADFA matches Borrower contribution at 100%) as the contribution to a lender's earmarked loan loss reserve account.

At a maximum, 7% of the loan amount is paid up-front and matched by ADFA for a total of 17.5% contribution to the loan loss reserve. ADFA owns and controls the reserve, but the reserve is designated for use by the bank and usually held on deposit at that bank.

The loan loss reserve fund is available on a pooled basis to be applied to any of the lender’s Capital Access Program loans. The fund is maintained on deposit with the lender, in ADFA's name and invested at ADFA's direction.

Compliance and Monitoring

Venture Capital Partners

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