The objectives of the Capital Access Program as set forth in Housing and Community Development Article, Title 6, Subtitle 3, Annotated Code of Maryland, are to foster economic growth and development in the State by: Stimulating the provision of private capital to small businesses; and Offering an incentive to each lender participating in the Program to make loans to borrowers that otherwise might not qualify for conventional loans, through a reserve account established for the exclusive benefit of that lender. Loans made under the Program are to be slightly riskier than conventional loans, but will still offer a high degree of soundness in connection with the Program.