The Ohio Capital Access Program (OCAP) encourages state depository financial institutions to make loans to for-profit or nonprofit small businesses that are having difficulty obtaining business loans through conventional underwriting standards. The business’ principal place of business must be in Ohio with revenues less than $10 million and with fewer than 250 employees. The OCAP encourages lending by establishing a unique loan "guarantee" reserve pool at an OCAP participating lending institution. The state, the lender, and the borrower each pay a small fee contribution into the pool. With every loan each participating lending institution enrolls in the OCAP, the reserve pool at that institution grows. The reserve pool is available to the participating Lender for recovery of any losses on any loan they have enrolled in the OCAP. The maximum loan amount for working capital is $250,000, and $350,000 for fixed assets.