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Collateral-Free Loans up to ₹5 Crore Under CGTMSE
Government-guaranteed funding for MSMEs — no property, no third-party guarantee. We structure and place CGTMSE proposals with the banks most active under the scheme.
Funding Amount
Up to ₹5 Cr
Approval Timeline
3–5 weeks
Pricing
9% p.a. onwards
About CGTMSE Loan
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is one of the most powerful — and most under-utilised — funding schemes in India. It allows banks to lend up to ₹5 Crore to eligible MSMEs without any collateral or third-party guarantee, because the Trust guarantees up to 85% of the exposure.
In practice, many eligible businesses are turned away because branch officers are unfamiliar with the scheme's nuances or because the proposal fails internal credit filters. LOANYARD CAPITAL specialises in CGTMSE mandates: we verify eligibility, build the techno-commercial proposal, compute the guarantee coverage and place the file with banks that actively disburse under the scheme.
For new units and expanding enterprises alike, CGTMSE can fund term loans for machinery and premises as well as working capital — a complete funding package with the government standing behind you instead of your family property.
Key Benefits
Who Should Apply
- Micro and small enterprises without free collateral
- First-generation entrepreneurs setting up new units
- Growing MSMEs whose property is already mortgaged
- Women entrepreneurs (enhanced 90% guarantee cover)
- Service enterprises, manufacturers and eligible traders
Eligibility
- Classified as micro or small enterprise (Udyam)
- New or existing unit engaged in eligible activity
- Facility up to ₹5 Crore from a member lending institution
- Unit should not be a defaulter with any bank
- Viable project with reasonable promoter contribution
Documents Required
- Udyam registration and KYC documents
- Project report with cost and means of finance (we prepare)
- Financials for existing units (2 years)
- Bank statements and GST returns
- Quotations for machinery / premises
- Promoter net-worth statement
Industries Served
Our Process
Eligibility Check
We confirm scheme eligibility and guarantee coverage limits.
Project Report
Bank-grade project report and CMA prepared by our team.
Bank Selection
Placement with branches that actively lend under CGTMSE.
Sanction & Guarantee
We coordinate sanction and CGTMSE guarantee registration.
Disbursement
End-to-end support until funds reach your account.
Why LOANYARD CAPITAL
15+ Years
Advisory Experience
500+
Corporate Clients
100+
Lending Relationships
Pan-India
Coverage