The program provides fixed, lowinterest rate loans to certified minorityowned businesses that are purchasing or improving fixed assets. This guide offers insights on securing a small business loan in the Buckeye State, ensuring you have the resources to thrive.Small business loans in Ohio can help local entrepreneurs get the capital they need to purchase equipment, inventory, commercial real estate and more. Fund your business with an SBA-guaranteed loan. Get matched to an SBA-approved lender and find the best loans to start and grow your small business. The Ohio Capital Access Program (OCAP) is a loan portfolio insurance program, similar to a loan guarantee, that enables small businesses to obtain credit. Types of Ohio small business loans. Many of the best Ohio small business loan options will be available through governmentbacked programs, which means low rates and long repayment terms. Financial statements should include a balance sheet, income statement, and statement of cash flows and all relevant notes.