Collateral-Free

CGTMSE Loan

Collateral-free MSME loans backed by the Credit Guarantee Fund Trust for Micro and Small Enterprises — ideal when you want growth capital without pledging assets.

CGTMSE Loan Overview

Up to ₹10 Cr

Loan Amount

Up to ₹10 Cr (scheme norms)

Interest Rate

As per bank / scheme

Tenure

As per lender policy

Turnaround

10 – 21 days

Eligibility

  • Eligible micro / small enterprise
  • Meets CGTMSE / lender criteria
  • Viable business proposal
  • Promoter KYC and compliance in place

Best For

  • MSME expansion without collateral
  • New unit / capacity addition
  • Working capital under guarantee cover
  • First-time formal credit seekers (case-by-case)

Documents Required

  • KYC and Udyam / MSME proof
  • Project report / business plan
  • Bank statements
  • Financials / projections
  • Other lender checklist items
Check If I qualify for this

How It Works

1

Share Requirements

Tell us your funding need, turnover, and preferred timeline.

2

Get Matched

We shortlist suitable lenders and structures for your profile.

3

Document and Apply

Our team helps prepare a complete, lender-ready application.

4

Approval and Disbursal

Track progress until sanction and smooth disbursement.