Logo
CGTMSE Loan Advisory

CGTMSE Loans for MSMEs
Collateral-Free Credit with Proper Structuring

BharatiyaNeo provides advisory and execution support for CGTMSE loans, enabling MSMEs to access working capital and term loans without traditional collateral, subject to scheme eligibility.

Check CGTMSE Eligibility

Who Should Apply?

  • MSMEs with limited or no collateral
  • Manufacturing, Trading & Service enterprises
  • Turnover-based eligible businesses
  • Working capital or term loan requirement
  • Businesses seeking CGTMSE coverage

What is a CGTMSE Loan?

CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a Government of India scheme that provides credit guarantee to banks and NBFCs, enabling them to offer loans to MSMEs without insisting on traditional collateral.

CGTMSE Loan Use Cases

Working Capital Funding

Cash flow support for day-to-day business operations, inventory purchase, and receivables management.

Term Loans for Expansion

Expansion, renovation, equipment purchase, and capacity building under CGTMSE coverage.

New MSME Setup

Funding support for newly established MSMEs meeting scheme and lender eligibility criteria.

Supplementary Credit

Additional funding alongside existing secured loans, structured carefully to meet CGTMSE norms.

How BharatiyaNeo Supports CGTMSE Loans

1. Eligibility Assessment

Checking MSME classification, turnover, credit profile, and CGTMSE scheme applicability.

2. Financial Structuring

Structuring loan amount, margin, and repayment to align with lender and CGTMSE norms.

3. Bank / NBFC Coordination

Working with suitable lenders experienced in CGTMSE cases.

4. Documentation & Disbursement

Support through documentation, guarantee fee process, and loan disbursement stages.

Discuss Your CGTMSE Loan Requirement

Get clarity on eligibility, loan structuring, and CGTMSE coverage before applying.

Start CGTMSE Assessment

BharatiyaNeo operates as an MSME credit advisory and enablement platform. CGTMSE coverage, loan sanction, and terms are subject to lender policy and CGTMSE Trust guidelines. BharatiyaNeo does not guarantee loan approval.