Unsecured CGTMSE Business Loans for MSME & Start-Ups
Have GST No.?
Apply for a CGTMSE Business Loan!!
Check Business Loan Eligibility
No Collateral Required
Encourages First-Time Entrepreneurs
High Loan Amounts (Up to ₹5 Crore)
Flexible Usage for Business Needs
Quick Processing and Approval
LoanSafal se Behtar Kal
Unsecured CGTMSE Business Loans for MSME & Start-Ups
Have GST No.?
Apply for a CGTMSE Business Loan!!
LoanSafal se Behtar Kal
Top 5 Benefits of
Unsecured CGTMSE Business Loans
No Collateral Required
Encourages 1st Time Entrepreneurs
High Loan Amount (Up to ₹5 Cr.)
Flexible Usage for Business Needs
Quick Processing and Approval
Check Business Loan Eligibility
Uses of Unsecured CGTMSE Business Loans
- Office or Retail Setup
- Technology Upgradation
- Vehicle for Business Use
- Infrastructure Development
- Franchise Investment or Store Launch
- Compliance & Certification Expenses
What are Unsecured CGTMSE Business Loans?
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a government-backed scheme that helps small businesses and startups get loans without needing to provide any collateral. Launched by the Ministry of MSME and SIDBI, the scheme gives banks and lenders a guarantee, making it easier and safer for them to give unsecured loans to eligible businesses. This helps new and small entrepreneurs get the funding they need to grow.
Your Loan in Just a Few Simple Steps
Submit Enquiry
Fill out a short form with your basic details and loan requirements.
Get a Call Back
Our loan expert connects with you to understand your needs and eligibility.
Document Collection
Share required documents like GST No., PAN, Aadhaar, bank statements, etc.
Matching & Application
We match your application with the best loan options and proceed with
Approval & Disbursal
Quick processing and disbursal directly to your account, once approved.
Success Story 1
Ms. Gauri, proprietor of a Digital Printing, leveraged the CGTMSE scheme to secure an unsecured loan through Union Bank. This financial support enabled her to expand her digital printing business, contributing to her enterprise’s growth and success.
Success Story 2
Mr. Meet Sanghvi, promoter of a Titanium business., obtained a CGTMSE-backed loan via the State Bank of India. This assistance facilitated the growth of his titanium manufacturing business, highlighting the scheme’s role in supporting industrial ventures.
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Who Can Benefit from Unsecured CGTMSE Business Loans?
- First-Time Entrepreneurs
Individuals looking to start a business but do not have assets to pledge as security. - Micro & Small Enterprises (MSEs)
Existing businesses with investment in plant & machinery or equipment within prescribed MSME limits. - Startups Registered as MSMEs
Especially those in manufacturing, trading, and services sectors (including retail, healthcare, education, etc.). - Women Entrepreneurs
Female-led ventures often qualify for preferential loan terms and are strongly encouraged under the scheme. - Professionals Starting Practice-Based Businesses
Like doctors, architects, chartered accountants starting clinics, offices, etc. - Agri-Allied & Rural Enterprises
Non-farm activities like dairy, food processing, rural manufacturing units, etc. - Small Traders & Service Providers
Such as salon owners, tuition centers, local manufacturers, or digital service providers. - Business Owners Lacking Collateral
Those with a viable business model but unable to offer land, building, or assets as security.
FAQ’s for Unsecured CGTMSE Business Loans
If you’re a startup or MSME looking for collateral-free business funding, Unsecured CGTMSE Business Loans could be the right solution for you. Backed by the Government of India, this scheme offers easy access to credit without the need for security. To help you understand it better, we’ve answered some of the most commonly asked questions below—in plain language, with practical advice from the experts at LoanSafal.com.
What is a Unsecured CGTMSE Business Loan?
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) Business Loans are collateral-free loans provided to MSMEs (Micro, Small & Medium Enterprises) under a government-backed scheme. It helps startups and small businesses get funding without needing to mortgage any property or asset.
Who is eligible for a Unsecured CGTMSE Business loan?
Any new or existing MSME or Startup engaged in manufacturing, services, or trading activities is eligible.
You should have:
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A valid GST number
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A business registration
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A good repayment history (if previously availed any loan)
Do I need to provide any collateral or guarantor?
No. One of the biggest benefits of CGTMSE loans is that they are completely collateral-free. You don’t need to provide any security or third-party guarantee.
How much loan can I get under the CGTMSE scheme?
You can avail up to ₹5 crores under this scheme. However, the actual loan amount depends on your business profile, turnover, and repayment capacity.
How long does it take to get the loan sanctioned?
If all your documents are in order and you meet the eligibility, the loan can be processed and approved in 7 to 15 working days.
What is the interest rate on CGTMSE Business Loans?
The interest rate typically ranges from 9.5% to 13.5% per annum depending on your profile, bank policies, and creditworthiness.
What documents are required for a CGTMSE loan application?
Generally, the following documents are needed:
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GST Certificate
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PAN & Aadhaar Card
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Business registration
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Bank statements (last 6–12 months)
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Business plan or project report
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KYC documents of promoters
Is there any consultation fee involved?
At LoanSafal.com, your initial guidance and eligibility check is completely free.
However, for in-depth support, application handling, and follow-up with banks, we may charge a reasonable consultancy fee – only after your profile is assessed and you’re comfortable proceeding.
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