Micro, Small, and Medium Enterprises (MSMEs) often require timely financial support to expand operations, purchase machinery, or manage working capital. Our MSME Loan services, offered under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme, provide both secured and unsecured financing options to help businesses grow.
Services Offered
Secured MSME Loans: Loans backed by collateral such as property, machinery, or fixed deposits to support business expansion.
Unsecured MSME Loans (CGTMSE): Loans without collateral, guaranteed under CGTMSE, making funding easier for small businesses.
Working Capital Finance: Short-term financing to manage day-to-day operations, raw material procurement, and salary payments.
Equipment & Machinery Purchase: Term loans for acquiring new machinery, upgrading production lines, or modernizing facilities.
Business Expansion & Diversification: Capital for setting up new units, product lines, or service offerings.
Why Choose Us?
Expert guidance on loan structuring under CGTMSE.
Quick processing with minimal documentation for eligible MSMEs.
Competitive interest rates with flexible repayment options.
Dedicated support for loan application, approval, and disbursal.
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a Government of India initiative that allows eligible MSMEs to obtain collateral-free loans, with the government providing a credit guarantee to the lending institutions.
Secured MSME Loans are backed by collateral such as property, machinery, or fixed deposits.
Unsecured MSME Loans (CGTMSE) require no collateral and are guaranteed under the CGTMSE scheme for eligible small businesses.
All Micro, Small, and Medium Enterprises engaged in manufacturing or service activities with a valid Udyam Registration Certificate are eligible. Startups and first-time borrowers can also apply if they meet the scheme’s criteria.
Funds can be used for business expansion, working capital needs, machinery purchase, or diversification into new product lines — depending on the loan structure chosen.
Typically, businesses can avail loans up to ₹2 crore without collateral under CGTMSE, subject to eligibility and financial assessment by the lender.