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Collateral-free credit

Credit Guarantee Fund Trust for Micro and Small Enterprises

CGTMSE lets eligible micro and small enterprises seek bank credit without collateral. Bridgeway’s scheme guide describes cover up to ₹5 crore, with an 85% guarantee up to ₹5 lakh and 75% above that. A separate funding page on the original site referred to collateral-free loans up to ₹2 crore. The trust and the bank decide the actual limit.

A small manufacturing workshop opening onto an advisory table

Amount

Up to ₹5 crore in the published guide

Benefit

No collateral; guarantee cover described as 85% up to ₹5 lakh and 75% above that

Timing

Guide lists about 30–45 days, subject to the bank

Who it is for

Micro and small enterprises that meet the lender’s and the trust’s eligibility rules

What to understand first

  • The guarantee supports the bank. It is not a grant and it is not automatic approval.
  • Interest is set by the lending bank. The original site listed different illustrative ranges, so this page does not quote a rate.
  • A complete project note, KYC, registration papers, and banking history matter more than a generic application.
  • 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

  1. 01 · Profile check

    We review entity type, Udyam status, banking conduct, and the purpose of funds before naming CGTMSE as a fit.

  2. 02 · Lender mapping

    We identify banks or financial institutions that currently accept this profile. Availability changes.

  3. 03 · File preparation

    We assemble the application, project note, and supporting papers the lender asks for.

  4. 04 · Follow-up

    We track queries from the branch or credit team. Disbursement, if approved, goes to the business account from the lender.

Cautions

  • A guarantee scheme still requires the bank’s credit approval.
  • Existing defaults, weak banking, or an unclear end-use of funds are common reasons files stall.
  • Do not treat a published upper limit as the amount you will be offered.

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