Amount
Guarantee cover up to ₹10 crore in the published guide
Startup credit cover
Credit Guarantee Scheme for Startups
CGSS is a credit guarantee for eligible startups, described on the original site as collateral-free cover up to ₹10 crore with an innovation focus. The published timeline is about 45–90 days. Interest is at market rates set by the lender. DPIIT recognition is part of the usual path.
Benefit
Collateral-free credit cover for eligible startups
Timing
About 45–90 days in the published guide
Who it is for
Recognised startups seeking debt rather than equity
What to understand first
- The guarantee supports a loan. It is not an equity investment and not a grant.
- Lenders still underwrite the startup. A guarantee does not replace a repayment story.
- Member institutions and scheme rules change. We check the current lending channel before drafting.
- Limits, subsidy rates, interest, and timelines are set by the implementing agency and the lending institution. The figures below are summarised from Bridgeway’s published scheme guide. They are not a sanction, a quote, or a government endorsement.
How we help
01 · Recognition
We confirm DPIIT status or plan that application first.
02 · Debt story
We shape use of funds, revenue, and repayment so a lender can read the file.
03 · Institution
We match the startup to a member institution that is actually lending.
04 · Follow-up
We handle queries through sanction. Disbursement is by the lender.
Cautions
- Early ideas with no entity, no recognition, and no revenue path are usually early for CGSS.
- Do not promise investors that a guarantee equals valuation.