Amount
Up to ₹2 crore in the published guide
Stressed MSME revival
Credit Guarantee Scheme for Subordinate Debt
CGSSD is aimed at stressed MSMEs that need promoter infusion structured as quasi-equity or subordinate debt. The published guide lists support up to ₹2 crore, a 60–90 day window, and a revival purpose. It is not a fresh-project scheme for a healthy unit.
Benefit
Promoter infusion support for stressed but viable units
Timing
About 60–90 days in the published guide
Who it is for
Stressed MSMEs with a revival plan a lender can read
What to understand first
- The unit’s stress and viability both have to be documented.
- This is not a route for a new business with no existing loan.
- Personal guarantees and bank classification rules still apply as the lender requires.
- 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 · Stress review
We look at the account status, the cause of stress, and whether a revival note is credible.
02 · Structure
We explain subordinate debt in plain language before any form is filled.
03 · Revival note
We prepare the infusion plan, cash flow, and lender papers.
04 · Bank process
The existing lender’s process governs the file. We follow it.
Cautions
- A unit the bank has already written off may not fit, even if the published cap looks attractive.
- Promoters should not borrow informally to show infusion.