Business consultant Kochi services

CGTMSE loan for SME units

The CGTMSE scheme, a joint initiative by the Government of India and SIDBI, aims to support first-generation entrepreneurs and small businesses by offering credit guarantees for loans up to ₹10 crores. The scheme empowers SMEs to obtain loans without providing tangible collateral, thereby encouraging entrepreneurship and inclusive growth.

Through CGTMSE, eligible businesses can obtain credit facilities up to ₹10 crores with the assurance of a government-backed guarantee covering 75% to 85% of the loan amount. This collateral-free loan provision empowers SMEs to invest in expansion, working capital, or new ventures while focusing on growing their business without the burden of collateral requirements.

Key Highlights of our Service

Eligibility Assessment & Business Profiling

Evaluation of your business to determine CGTMSE eligibility, industry classification, turnover criteria, and credit history.

Loan Structuring & Financial Planning

Assistance in preparing detailed project reports, business plans, and financial projections aligned with lender requirements.

Bank Liaison & Application Support

Coordination with member lending institutions (banks and NBFCs) for submission, processing, and approval of loan applications under CGTMSE norms.

Documentation & Compliance Advisory

Guidance on preparing all necessary documentation including KYC, Udyam Registration, income tax filings, and scheme-specific forms.

Post-Approval Support

Assistance with disbursement, utilization tracking, and advisory on renewals or top-up funding under the scheme.