{"status":200,"message":"Success","data":{"id":"5d455652-39ac-534a-b66d-b04dd6148713","title":"Capital Access Program (CAP)","identifiers":{"systemId":{"registry":{"code":"opp:opengrants:system","url":"https://opengrants.io/common-grants/registries/opp-opengrants-system.json"},"id":"51857e05-abaa-4f44-86b6-10ceece17c29"},"otherIds":{"opp:opengrants:program":{"registry":{"code":"opp:opengrants:program","url":"https://opengrants.io/common-grants/registries/opp-opengrants-program.json"},"id":"nh:bfa-capital-access-program"}}},"status":{"value":"custom","customValue":"Confirm with agency","description":"Varies — check official page"},"description":"CAP is a simple credit enhancement New Hampshire banks use statewide to make term loans and lines of credit to small businesses, start-ups and nonprofits. BFA describes it as a 100% guarantee on loans up to $500,000: at closing the lender puts 3% to 4% of the loan into a CAP reserve (chargeable to the borrower), BFA adds 2.5 times that amount, and the reserve covers the lender's losses. Approval typically takes 24 hours.","funding":{"details":"Loans up to $500,000 (the program FAQ states a $200,000 maximum CAP enrollment per borrower)"},"funders":{"primary":{"id":"8c4566c8-0020-56f5-97a0-66eeb6a06821","name":"New Hampshire Business Finance Authority","identifiers":{"otherIds":{"org:opengrants:funder":{"registry":{"code":"org:opengrants:funder","url":"https://opengrants.io/common-grants/registries/org-opengrants-funder.json"},"id":"2bb83bc6-d3db-4dbc-8ae5-9368372687fb","allIds":[{"id":"2bb83bc6-d3db-4dbc-8ae5-9368372687fb","status":"active"}]},"org:us:nh:agency":{"registry":{"code":"org:us:nh:agency","url":"https://opengrants.io/common-grants/registries/org-us-nh-agency.json"},"id":"BFA"}}}}},"keyDates":{"otherDates":{"cycle":{"name":"Application cycle","eventType":"other","details":"Ongoing; lenders enroll loans as they close them, with approvals typically within 24 hours."}}},"acceptedApplicantTypes":[{"value":"for_profit_small_business","description":"Business"},{"value":"for_profit_not_small_business","description":"Business"},{"value":"non_profit_with_501c3","description":"Nonprofit"},{"value":"nonprofit_without_501c3","description":"Nonprofit"}],"source":"https://nhbfa.com/loans/cap/","customFields":{"contactInfo":{"name":"contactInfo","fieldType":"object","value":{"phone":"603.415.0190"},"description":"Program contact","schema":"https://commongrants.org/custom-fields/contactInfo"},"eligibilityCriteria":{"name":"eligibilityCriteria","fieldType":"object","value":{"details":"Businesses or nonprofits with annual revenues under $5 million; total CAP enrollment may not exceed $500,000; new businesses must put in 20% cash equity (not borrowed). Passive or investment real estate, residential real estate, and businesses in prohibited industries (illegal activity, commodity or financial-instrument trading, pyramid sales, lending) are ineligible. Small businesses (including start-ups and nonprofits) with annual revenues under $5 million, through a participating New Hampshire bank."},"description":"Who is eligible, in the funder's words","schema":"https://commongrants.org/custom-fields/eligibilityCriteria"},"additionalInfo":{"name":"additionalInfo","fieldType":"object","value":{"url":"https://nhbfa.com/loans/","description":"New Hampshire Business Finance Authority grants page"},"description":"Where the agency publishes its programs","schema":"https://commongrants.org/custom-fields/additionalInfo"},"fundingInstrument":{"name":"fundingInstrument","fieldType":"string","value":"other","description":"grant, loan, grant+loan, tax credit, rebate, in-kind or other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSource":{"name":"fundingSource","fieldType":"string","value":"State","description":"State, Federal, Federal and State, or Other","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"lastSyncedAt":{"name":"lastSyncedAt","fieldType":"string","value":"2026-11-09T06:04:24Z","description":"When the OpenGrants record data behind this opportunity was last refreshed (UTC)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stateCode":{"name":"stateCode","fieldType":"string","value":"NH","description":"USPS code of the state whose agency offers this funding","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyKey":{"name":"agencyKey","fieldType":"string","value":"bfa","description":"Portal key of the administering agency","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyAbbrev":{"name":"agencyAbbrev","fieldType":"string","value":"BFA","description":"Administering agency abbreviation","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"agencyUrl":{"name":"agencyUrl","fieldType":"string","value":"https://nhbfa.com/","description":"Administering agency website","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"categories":{"name":"categories","fieldType":"array","value":["Housing, Community and Economic Development"],"description":"Portal categories","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypes":{"name":"applicantTypes","fieldType":"array","value":["Business","Nonprofit"],"description":"Portal applicant types","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTypesNotes":{"name":"applicantTypesNotes","fieldType":"string","value":"Small businesses (including start-ups and nonprofits) with annual revenues under $5 million, through a participating New Hampshire bank.","description":"Notes on who may apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"purpose":{"name":"purpose","fieldType":"string","value":"A loan-loss reserve credit enhancement that helps banks lend to small businesses.","description":"One-line purpose","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"geography":{"name":"geography","fieldType":"string","value":"Statewide","description":"Geographic limits within the state","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"fundingSourceNotes":{"name":"fundingSourceNotes","fieldType":"string","value":"BFA contributes 2.5 times the lender's premium to a loan-loss reserve held at the bank; the loan itself comes from the bank.","description":"Notes on the source of funds","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"estimatedAmounts":{"name":"estimatedAmounts","fieldType":"string","value":"Loans up to $500,000 (the program FAQ states a $200,000 maximum CAP enrollment per borrower)","description":"Estimated award amounts, as published","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"howToApply":{"name":"howToApply","fieldType":"string","value":"Through a lender: the bank or financial institution submits the CAP enrollment request to BFA online, by email or on paper.","description":"How to apply","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"electronicSubmission":{"name":"electronicSubmission","fieldType":"string","value":"Yes","description":"Where applications are submitted (url: … or email: …)","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cycle":{"name":"cycle","fieldType":"string","value":"Ongoing; lenders enroll loans as they close them, with approvals typically within 24 hours.","description":"Application cycle pattern","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"nextDeadlineDisplay":{"name":"nextDeadlineDisplay","fieldType":"string","value":"Varies — check official page","description":"What the portal shows as the next deadline","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"deadlineSource":{"name":"deadlineSource","fieldType":"string","value":"record-live","description":"editorial, record or cycle","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"stringsAttached":{"name":"stringsAttached","fieldType":"string","value":"The borrower usually pays the 3%-4% CAP premium at closing. Enrolled lines of credit must be paid to a zero balance for 30 days once a year, and the lender files quarterly reports. CAP cannot refinance the same lender's existing non-CAP debt.","description":"The catch: match, reporting, restrictions","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"applicantTip":{"name":"applicantTip","fieldType":"string","value":"Partial enrollment lets a bank stretch CAP coverage over a larger loan, for example $200,000 of CAP on a $300,000 loan.","description":"A non-obvious, actionable tip","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programSlug":{"name":"programSlug","fieldType":"string","value":"bfa-capital-access-program","description":"Stable program slug within the portal","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"programUrl":{"name":"programUrl","fieldType":"string","value":"https://opengrants.io/grants-in-new-hampshire/#p-bfa-capital-access-program","description":"Program card on the portal page","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"opengrantsListingUrl":{"name":"opengrantsListingUrl","fieldType":"string","value":"https://nhbfa.com/loans/cap/","description":"Listing URL on the bound OpenGrants record","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"bindingMode":{"name":"bindingMode","fieldType":"string","value":"record","description":"record, upstream, pending-import or none","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"verifiedOn":{"name":"verifiedOn","fieldType":"string","value":"2026-11-03","description":"Date the official page was last checked","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"},"cardStatus":{"name":"cardStatus","fieldType":"string","value":"published","description":"published, needs_review or retired","schema":"https://opengrants.io/common-grants/schemas/state-portal-v1.json"}},"createdAt":"2026-11-04T05:38:15.156978+00:00","lastModifiedAt":"2026-11-09T12:38:54Z","competitions":[],"awards":[]}}