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The Georgia Capital Access Program (GCAP) is a new small business lending program. The Program helps small business companies get loans when applying for a loan in any financial institutions. Lenders from GCAP may be banks, credit unions, or CDFIs, as specified in the SSBCI act. The lenders are fostered to issue loans to small businesses whose requests meet standards to qualify for a loan. The assets of a small business company should be impacted by the changing economic restructuring (real-estate values, perception of receivables strength, etc.).

GCAP ensures portfolio insurance to the lenders by asking for insurance premiums to be paid off, by the borrower and the lender. The lendee and lender each add an equal deposit of 2% to 7% of the amount entered, which GCAP will fit, to a lender’s loan loss reserve account. A borrower may also pay the lender’s fee, and vice versa, as long as a written agreement is signed. GCAP allows the borrower’s fee to be financed and may be part of the loan proceeds. Each financial institution has a separate loan loss reserve fund managed by GCAP.

Atlanta, Georgia is the capital of this state. The city is located in the northwestern part of Georgia, in the hills south of the Chattahoochee River.

It is the largest city in the state and the third largest city in America (San Francisco and Seattle). The population of Atlanta is just under half a million people, and more than 5.5 million live in the metropolitan area.

The city was founded in 1837 as an important transport junction – its appearance was due to the construction of the West Atlantic Railway. The territory where Atlanta is located today was originally inhabited by the Cherokee and Creek Indians.

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