Saarthiom Advisory Dispatch
CGTMSE Loan
Collateral-free credit under the CGTMSE framework
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) enables banks and financial institutions to provide collateral-free credit to MSMEs, without a third-party guarantee.
CGTMSE covers both term loans and working capital facilities. The guarantee fee is nominal and can often be borne by the borrower or included in the loan amount. This scheme is particularly beneficial for first-generation entrepreneurs who lack assets to pledge.
Saarthiom assists with CGTMSE applications. We prepare bank-ready proposals, help identify a suitable lending institution, and follow up until a decision is received.
“Collateral-free credit under the CGTMSE framework”
— Saarthiom Advisory
Eligibility — Who Qualifies?
How It Works — Step by Step
Eligibility Assessment
We verify your enterprise qualifies under CGTMSE micro/small category.
Project Report
A comprehensive DPR with financials is prepared for the bank.
Bank Selection
We help identify a suitable lender for the CGTMSE application.
Application Filing
Complete loan application with CGTMSE guarantee request is filed.
Sanction & Disbursal
We follow up until the loan is sanctioned and funds disbursed.
Documents Required
Begin Your Free Consultation
Our advisors will evaluate your eligibility and guide you through every step at zero cost.