Saarthiom Advisory Dispatch
CGTMSE Loan
Collateral-free business loans up to ₹10 Cr
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a Government of India initiative that enables banks and financial institutions to provide collateral-free credit to MSMEs. Under CGTMSE, loans up to ₹10 Cr can be sanctioned without any collateral or third-party guarantee.
CGTMSE covers both term loans and working capital facilities. The guarantee fee is nominal and can often be borne by the borrower or included in the loan amount. This scheme is particularly beneficial for first-generation entrepreneurs who lack assets to pledge.
Saarthiom has deep expertise in CGTMSE applications, with a strong approval track record. We prepare bank-ready proposals, select the right lending institution, and follow up until disbursal.
“Collateral-free business loans up to ₹10 Cr”
— Saarthiom Advisory
Eligibility — Who Qualifies?
How It Works — Step by Step
Eligibility Assessment
We verify your enterprise qualifies under CGTMSE micro/small category.
Project Report
A comprehensive DPR with financials is prepared for the bank.
Bank Selection
We select the lender with the best CGTMSE approval track record for your case.
Application Filing
Complete loan application with CGTMSE guarantee request is filed.
Sanction & Disbursal
We follow up until the loan is sanctioned and funds disbursed.
Documents Required
Begin Your Free Consultation
Our advisors will evaluate your eligibility and guide you through every step at zero cost.