The Cash Collateral Support (CCS) program provides a cash deposit as additional collateral for a business loan when the business cannot meet the lender’s collateral requirements.

The maximum loan size allowed is $20 million and the business borrower must have less than 750 employees. The program is capped at deposits of 25 percent of the loan amount or $500,000 (whichever is less).

Please Note: Funding for Cash Collateral Support is subject to availability and loan eligibility.​

​​​Lender Benefits

  • Strengthens lender’s LTV 
  • Cash collateral deposits are held by the lender 
  • Most businesses and loan types are eligible 

CCS Example

Collateral Value Margin Lending Capacity
Equipment $323,000 65% $210,000
Cash Deposit $70,000 100% $70,000
    Total $280,000


  • Manufacturer  
  • $280,000 line of credit approved by lender, secured by existing equipment​
  • Equipment was valued at $323,000 
  • Bank limits were 65 percent LTV on used equipment 
  • A $70,000 cash deposit was provide​d through CCS

Employee Ownership

  • One of the goals of this program is to support employee ownership business transitions and financing for employee-owned businesses. For additional resources visit the Office of Employee Ownership.
  • Collateral caps may be increased for certain transaction types including those that support employee ownership.

Lender Resources

Contact Us

Contact the CHFA Community Development Lending Team to learn how we can partner with your organization.