FUND: CPCA COVID Response Fund


Flexible Capital to support California's Community Health Centers

As a result of business disruptions due to the COVID-19 pandemic, California’s community health centers (CHCs) are facing significant lost revenue. The impacts of the pandemic have also been exacerbated for many CHCs by the wildfires plaguing the state. We are here to help.

To bridge this gap, the California Primary Care Association (CPCA) and Capital Impact Partners have launched the $25 million CPCA COVID Response Loan Fund to provide flexible financing for CHCs.

It is our goal to evaluate applications and extend financing on an expedited basis.

Key features of the CPCA COVID Response Loan Fund:

  • Loans from $250,000 up to $1.5 million
  • 3% interest rate
  • No payments during the first year, then fully amortizing over 6 years
  • Loans will be secured by a general all asset lien. No real estate collateral required.
  • Each borrower will automatically receive a grant for technical assistance and COVID related expense
  • No fees associated with loan closing
  • Prohibited Uses:
    • New facility development
    • Facility renovations unrelated to patient service in response to COVID-19
    • Refinancing existing debt

Eligible uses include any working capital need resulting from the COVID-19 pandemic. Uses include but are not limited to:

  • Operating revenue shortfalls
  • Telemedicine infrastructure
  • Capital and operating costs related to COVID-19
  • Minor renovations to support better COVID-19 related care

*If you have a use case question, please don’t hesitate to contact us.

Eligible Organizations:

  • Non-profit health centers – including non-CPCA members – licensed in the state of California under Section 1204 of the California Health and Safety Code are eligible and encouraged to apply. These organizations include but are not limited to, FQHCs, FQHC-Look-Alikes, rural health clinics, Indian Health Clinics, free clinics, etc.
  • Non-profit consortiums with a majority membership comprised of the non-profit health centers described above
  • Health centers located on land recognized by the United States government as tribal land in California and operated by an Indian tribe recognized by the United States government

Applying organizations must also have been in operation for a minimum of three years and demonstrate negative operational impact resulting from the COVID-19 pandemic.


Loan decisions will be made in late November with loan funding planned for mid-December.

A Vital Need

It is a vital need, as CHCs not only serve one-in-six Californians, but also a predominate number of patients who fall below the federal poverty level. California CHCs provide culturally competent care to the state’s most diverse communities, and serve one in every three Medi-Cal recipients. These residents are also largely impacted by both the health and financial effects of the pandemic. Learn more about our mission-driven health care and lending work. 

We invite you to apply for financing online here.

Fund Partners

The CPCA COVID Response Loan Fund is made possible through the generous support of several key partners.

  • Alliance Healthcare Foundation
  • The California Endowment
  • California Primary Care Association
  • The California Wellness Foundation
  • JPMorgan Chase
  • Richard W. Goldman Family Foundation
  • UnitedHealth Group
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Questions About the Fund?

FAQ (Updated Regularly)


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Our 1,300+ nonprofit members operate on razor-thin budgets, often relying on federal program support based on patient visits. Even as our dedicated staff stand at the front lines of the Coronavirus the number of visits qualifying for payments has plummeted, putting CHC’s across the state in financial jeopardy. The CPCA COVID Response Loan Fund is a critical stopgap measure to prevent unnecessary closures of their operations.

Carmela Castellano-Garcia
CPCA President & CEO


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