“I had a great project report but no collateral to show the bank.
Darsh Capital guided us through the CGTMSE process and helped us secure ₹2 Crores for our new
unit.”
Government-backed credit guarantee schemes to empower micro and small enterprises with security-free funding.
The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a landmark initiative by the Ministry of MSME and SIDBI. It provides a credit guarantee to lenders, allowing MSMEs to avail both Term Loans and Working Capital facilities without pledging any physical collateral or third-party guarantee. This scheme is specifically designed to support entrepreneurs who have viable business projects but lack the assets to offer as security to traditional banks.
We combine government scheme expertise with 19+ years of banking relationships to ensure your loan success.
Avail high-value loans without pledging property, gold, or personal assets as security.
Access schemes directly backed by Ministry of MSME and SIDBI for maximum protection and trust.
Benefit from competitive interest rates designed specifically for MSME growth and sustainability.
Enjoy comfortable repayment periods up to 7 years, allowing your project to reach maturity.
We help you identify and claim interest subvention and subsidies applicable to your industry.
Complete end-to-end assistance in project report preparation and bank liaising for faster SANCs.
Fill out the form below and our MSME advisors will contact you shortly
Minimum requirements to qualify for MSME CGTMSE funding
Essential requirements for MSME status
Must be registered under Micro or Small category
Mandatory valid Udyam Registration certificate
Minimum 1 year (New projects also eligible)
Good Personal & Business credit track record
Compliance and banking benchmarks
Regular GST filing and clean tax history
Clean statement with no major defaults
Detailed report showing future sustainability
Timely service of all current obligations
Check your CGTMSE loan eligibility now
Keep these documents ready for a smooth assessment process
Udyam Reg, PAN & GST Certificate
Detailed project brief or expansion plan
ITR & Audited Balance Sheet (Last 2-3 Years)
Recent 6-12 months Current Account Statements
Aadhaar & PAN of all Promoters
Factory / Office Rent Agreement or Proof
How government-backed funding empowers your vision
Pledge-free funding for viable business models
Trust backed by Ministry of MSME and SIDBI
Ideal for first-gen entrepreneurs and startups
Competitive rates compared to unsecured market
Balanced repayment terms to ensure sustainability
Streamlined process via registered lending hubs
Discover our complete range of strategic financial products tailored for your business growth.
Real stories from businesses that scaled with collateral-free funding
Unlock government-backed credit facilities with Darsh Capital. Experience that banks respect. Advisory that businesses trust.
Common questions about MSME CGTMSE Loans