CGTMSE Loans
At CAPSTONE, we provide you with access to collateral-free business loans through the CGTMSE scheme. The Credit Guarantee Fund Trust for Micro and Small Enterprises helps you extend credit facilities without any third party guarantee or collateral.
With an intensive understanding of SME financing, CAPSTONE helps you simplify the loan process regarding CGTMSE to achieve clarity and efficiency.
The Perfect Solution for Micro and Small Enterprises
CGTMSE is a credit guarantee program that backs loans for micro and small enterprises. It provides access to formal credit channels without pledging assets or obtaining third-party guarantees. The scheme creates opportunities for both new and existing businesses in the manufacturing and service sectors.
What Makes CGTMSE Loans Different?
You pay a small annual guarantee fee based on your loan amount. Here are the benefits
Funding Business Expansion Plans
Your growth shouldn't wait for business funding. We are here to help you select the loan depending on how you want to expand your business.
No Need for Collateral
CGTMSE has no loan for collateral. So, one can get an SME loan even when assets are not owned or are unwilling to be used as collateral.
Machinery for Expansion
We arrange the loan to help you acquire the equipment that will give you a competitive edge.
Improve Production
With the right funding, you can increase production without sacrificing the quality that has earned your reputation.
Build Business Infrastructure
Whether you're upgrading facilities, overhauling systems, or creating new processes, we'll help you build the backbone your business needs.
Who Can Apply?
You qualify for CGTMSE if you run a micro or small enterprise in manufacturing or services. Your business needs positive financials and a good credit history. The scheme accepts all business structures, including sole proprietorship, partnership, LLPs, and private limited companies.
Expert Financial Solutions
The CGTMSE scheme supports both new and existing enterprises. You can use the funds for Working capital requirements
- Business expansion plans
- Equipment and machinery
- Infrastructure development
- Production capacity enhancement
What Documents Do You Need?
We guide you through the entire application process. You need basic documents like:
How CAPSTONE Makes CGTMSE Work for You?
Our financial experts study your business requirements in detail. Here's how we help
Expert Business Analysis
Our financial analysts study your business model in depth. We review operations market position and growth trajectory. The team analyses financial statements, cash flows, and industry parameters.
Strategic Proposal Development
We create proposals that align with bank lending criteria. The structured proposals speed up credit approval processes.
Documentation Management
The team handles complete documentation requirements. We help prepare and verify all essential papers. We also manage documentation and loan structuring (also bank coordination).
Credit Structuring
We design credit facilities based on your specific needs. The structures align with operational cash flows.
We bring decades of SME lending experience. Our professionals create the right funding mix through working capital term loans and other credit facilities. The customized solutions support your exact business needs.
