Unlock collateral-free funding for your business with government-backed credit guarantees. We help you navigate CGTMSE and other guarantee frameworks to secure higher loan sanctions with lower risk.
Max Limit for MSEs
Max Limit for Startups
Guarantee Coverage
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a safety net for lenders, providing guarantees for loans extended to MSEs without the need for traditional collateral or third-party guarantees.
Obtain working capital and term loans without providing physical assets as security.
Enhanced limits up to ₹10 Crore for businesses and ₹20 Crore for recognized startups.
Lower risk for banks translates to better interest rates and higher sanction probability.
Special coverage of 85% for Women, SC/ST, and units in the North East Region.
Both New and Existing Micro and Small Enterprises as per MSME Act are eligible.
Recognized startups are eligible for the Credit Guarantee Scheme for Startups (CGSS).
Manufacturing, Services, and Retail Trade (with certain limits) sectors are covered.
Must have a technically feasible and commercially viable business plan approved by a bank.
Over 100+ Banks, NBFCs, and RRBs are part of the CGTMSE network.
Primary scheme for MSEs with limits up to ₹10 Crore.
Dedicated scheme for DPIIT-recognized Startups up to ₹20 Crore.
Guarantee for MUDRA (PMMY) loans up to ₹10 Lakh.
Guarantee for Stand-Up India project loans.
We specialize in optimizing your credit profile to meet the stringent "Guarantee Tagging" requirements of banks.
Structuring your financials to ensure 100% compliance with CGTMSE norms.
Identifying the right Member Lending Institution (MLI) based on your sector.
Expertise in mixing partial collateral with guarantee to maximize limit sanction.
Advising on the Annual Guarantee Fee (AGF) and ensuring no hidden costs.
Extent of guarantee coverage provided to banks under the scheme.
| Borrower Category | Max Cover |
|---|---|
| Micro Enterprises (< ₹5 Lakh) | 85% |
| Women / SC / ST Entrepreneurs | 85% |
| MSEs in NER (Including Sikkim) | 80% |
| General Category (Most MSEs) | 75% |
Our structured approach ensures your transition from "Applicant" to "Guaranteed Borrower" is seamless.
We review your financial health and structure your balance sheets to meet lenders' credit appraisal norms.
Preparing a high-quality Detailed Project Report that highlights your business's ability to service the debt.
Coordinating with one of the 100+ Member Lending Institutions for project assessment and credit appraisal.
Ensuring the bank successfully applies for the guarantee "tag" on the CGTMSE portal for final loan disbursal.
Required documents for guarantee application and bank appraisal.
Our documentation experts provide a detailed kit specific to your sector upon sign-up.
Common queries regarding the CGTMSE and guarantee frameworks.
Stop letting collateral hold you back. Consult with our experts to identify the best guarantee scheme for your expansion.