The mission of the Office of Capital Access (OCA) is to expand access to capital among small businesses—particularly those that might not otherwise obtain financing. The office does so through a network of programs and services that make capital available to small business borrowers, working primarily through financing partners to reach those seeking to start new businesses or expand existing enterprises. OCA is primarily known for its 7(a) and 504 loan programs, which offer capital to borrowers on reasonable terms and conditions, but it also oversees a variety of programs targeted at certain markets. OCA balances the need to make capital available to small businesses with the importance of providing appropriate monitoring and oversight to protect taxpayer dollars and ensure its programs remain strong.