1
Scheme Assessment
We review your business profile and match eligible central and state schemes.
Collateral-Free
CGTMSE
CGTMSE enables MSMEs to access collateral-free credit from banks and NBFCs. The trust provides credit guarantee cover, reducing lender risk and helping eligible businesses secure term loans and working capital without pledging assets.
CGTMSE Overview
Up to ₹10 Cr
Credit Guarantee Fund Trust for Micro and Small Enterprises
Max Amount
Up to ₹10 Cr
Interest Rate
As per bank / NBFC norms
Tenure
Up to 10 years (working capital: 5 years)
Collateral
Not required (guarantee cover)
Eligibility
- New or existing micro and small enterprises
- Valid Udyam / MSME registration
- Satisfactory credit and banking conduct
- Loan within scheme ceiling and lender policy
Key Benefits
- No collateral or third-party guarantee required
- Access to term loans and working capital
- Wide lender network across India
- Supports expansion, machinery, and WC needs
Documents Required
- KYC of promoters and business
- Udyam / MSME registration
- Business proof and financials
- Bank statements (6–12 months)
- GST returns and ITR
How We Help You Access CGTMSE
End-to-end support from scheme matching to sanction and disbursement.
2
Eligibility Mapping
Clear guidance on criteria, subsidy benefits, and lender options.
3
Application Support
Help preparing project reports, forms, and lender-ready documentation.
4
Submission & Follow-up
Coordinate with banks and agencies until sanction and disbursement.
Not sure which scheme you qualify for?
Share your business profile. Our advisors will map the right central or state scheme and help you apply — free consultation, no obligation.