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Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)
Collateral-Free Business Loans with CGTMSE Scheme
At Call For Loans, we assist Micro and Small Enterprises (MSEs) in securing business loans without the need for collateral, through the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme. Backed by the Government of India and SIDBI, this scheme empowers small businesses to access timely credit and grow confidently.
Whether you're starting a new business or expanding an existing one, CGTMSE helps remove the biggest hurdle for entrepreneurs — the need to provide collateral.
Key Features of CGTMSE:
- Loan amount: Up to ₹5 crore
- No collateral or third-party guarantee required
- Guarantee cover: Up to 75%–85% of the loan amount (varies by loan type and borrower profile)
- Available for: Term loans, working capital loans, and composite loans
- Applicable for both: New and existing MSEs
Who Can Apply?
- Micro and Small Enterprises (as defined by MSME norms)
- Startups and small businesses in manufacturing, service, or trading sectors
- Proprietorships, partnerships, LLPs, private limited companies, and registered business entities
- First-time entrepreneurs and women-led enterprises are especially encouraged
- Applicable for both: New and existing MSEs
Documents Required:
- KYC documents of promoters and business
- Business registration/license
- Udyam registration (MSME certificate)
- Project report or business plan
- Last 6–12 months' bank statements
- Balance sheet & ITR (if applicable)
- Quotation for machinery/equipment (for term loan)
- Sales/purchase orders (for working capital)
Any questions find here
No, CGTMSE is specifically designed to offer collateral-free loans to eligible micro and small enterprises.
Loans up to ₹5 crore can be availed, based on your business plan and financial viability.
The guarantee is provided by the Credit Guarantee Fund Trust for MSEs, jointly set up by the Ministry of MSME and SIDBI.
Yes, both new and existing businesses are eligible. New businesses must have a strong business plan and potential for growth.
