₹10 lakh–₹5 crore
Range described across schemes
Not a single product
Prepare a file a lender can read
MSME loans, scheme selection, and startup funding support.
Most rejected files are not rejected for lack of a scheme name. They are rejected because the entity, the project, and the numbers do not agree. Bridgeway selects a plausible scheme, prepares the project report and bank set, and follows the file. We do not sanction loans and we do not guarantee a limit.
35+
Schemes in the published catalogue
We shortlist, we do not file all of them
Bank-set
Interest and final limit
See each scheme page
What this engagement covers
MSME term loans and CGTMSE
Collateral-free credit conversations for eligible micro and small enterprises, prepared for the bank that will actually underwrite them.
- Guarantee cover is not the same as approval
- Published guides differ between ₹2 crore and ₹5 crore caps
- We quote the lender’s current cap, not a brochure number
Startup funding paths
DPIIT recognition, CGSS debt, angel or venture materials, and a clear split between equity and credit.
- Seed funds and pitch decks where equity is the real path
- CGSS where debt is the real path
- No introduction is described as a committed cheque
NAIFF and PMFME
Agriculture infrastructure finance and micro food-processing projects, including subsidy or subvention claims after sanction.
- NAIFF guide: up to ₹2 crore and 3% interest subvention
- PMFME guide: ₹10–50 lakh and 35% capital subsidy
- Both need a project, not only a registration certificate
Manufacturing incentives
Capital subsidy, interest subsidy, and electricity-duty exemption where the unit is a manufacturing business and the state or central policy allows it.
- These are not available to every services firm
- Claims need invoices that match the approval
- Gujarat industrial incentives are handled with the grants team when that is the better file
Loan documentation
Application, business plan, banking, and lender follow-up as one piece of work.
- KYC, registration, financials, and a project report
- Answers to credit queries
- A record of what was submitted
Why clients use this
- One scheme is chosen after the business is understood, instead of five applications at once.
- Project reports are written for the lender’s question: how does the money come back?
- Manufacturing-only subsidies are labelled as such.
- You see the difference between a loan, a guarantee, a subsidy, and a grant before you pay for a file.
Documents usually required
- Business registration and Udyam certificate, where already issued
- KYC of promoters
- Financial statements and recent bank statements
- A business plan or project report
- Quotations, if the loan is for assets
How the work moves
01
Assessment
We look at entity, turnover, banking, and what the money is for.
02
Scheme choice
We name the best-fit scheme and the ones that would waste a month.
03
Application
We prepare the project report, forms, and annexures.
04
Follow-up
We answer the lender or department. If approved, funds come from that institution, not from Bridgeway.
Before you start
- MUDRA, CGTMSE, CGSS, and state subsidies are different products. A single ‘MSME loan’ pitch usually hides that.
- The original site lists illustrative interest bands that do not match each other. We will not put a rate on a proposal until a lender does.
- Women-entrepreneur schemes are part of the advisory. Any extra subsidy percentage depends on the current notification.
- A 95% firm-wide figure published on the old site is not a promise about your file.
Published processing windows run from about 15 days for simpler files to 30–60 days for CGTMSE-style credit. The lender’s clock is the one that counts.