Collateral-Free Funding for Business Growth

The CGTMSE scheme, launched by Government of India and SIDBI, aims to empower first-generation entrepreneurs and small businesses by providing a strong credit guarantee for loans up to ₹10 crores. This enables the SMEs to get a business loan without security or collateral and therefore avoids the need to provide any tangible security and helps in encouraging entrepreneurship and inclusive economic development in the MSME segment.

The Units eligible under the CGTMSE loan scheme can avail of credit facilities backed by government-backed guarantee coverage of 75% to 85% of the sanctioned loan amount, thereby making the loan collateral free. This helps SMEs to confidently invest in business expansion, working capital requirements, technology upgrades, or new ventures.

Fincrest helps enterprises in Kochi and Kerala with end-to-end guidance, from MSME loan application procedures to documentation and lender coordination, towards seamlessly availing the benefits of the CGTMSE scheme and enabling businesses to focus on sustainable growth.

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.