CGTMSE Funding
Eligible Collateral-Free MSME Credit Facilities
Explore suitable bank and lending institution credit facilities for eligible MSMEs under applicable CGTMSE guarantee arrangements. The scheme supports eligible credit without requiring additional immovable-property collateral in applicable structures; lender appraisal and primary-security requirements still apply.
Key Funding Features
- Indicative Credit Facility: Up to ₹10 Crore
- Funding Route: Eligible CGTMSE Guarantee-Backed Credit
- Facility Types: Permitted Term Loan / Working Capital
- Collateral: Collateral-Free Where Scheme Conditions Are Met
- Approval: Lending Institution Decision
Funding Purpose
What This Funding May Support
- Business working capital and operating needs
- Eligible manufacturing or service expansion
- Plant, machinery and eligible project expenditure
Preliminary Eligibility & Structure
Preliminary Eligibility & Assessment
- MSME/Udyam profile and qualifying borrower constitution as applicable.
- Business activity, permitted purpose, lender credit assessment and applicable current scheme conditions.
- Check existing borrowings and guarantee exposure before identifying the credit route.
- Do not presume that a guarantee replaces financial appraisal or all primary-security arrangements.
Documents to Keep Ready
Documents to Keep Ready
- Promoter/entity KYC; Udyam and GST as applicable
- Financial statements, ITR, GST and bank statements
- Project or equipment quotations, working capital assessment where relevant
- Existing sanction letters, borrowing details and proposed security information
Frequently Asked Questions
Is CGTMSE a direct loan from the government?
No. Eligible lending institutions consider the credit facility; the guarantee arrangement is subject to applicable scheme terms.
Does collateral-free mean no documentation or primary security?
No. Lender appraisal, purpose-related security and the current scheme framework can still apply.
Can CGTMSE support machinery acquisition?
Eligible machinery funding may be assessed through an applicable CGTMSE-backed route, according to lender and scheme criteria.
Conversion, SEO & Application
Discuss Your CGTMSE Funding Requirement
Share your business or project details to start a preliminary funding assessment with Capital Yono.
Funding is subject to eligibility, appraisal, due diligence, approval and final terms from the relevant funding provider.