What is CGTMSE?

The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a government-backed scheme launched by the Ministry of MSME and SIDBI (Small Industries Development Bank of India). It aims to provide collateral-free loans to micro and small enterprises (MSEs), helping them access much-needed working capital without pledging personal or business assets.

Under the CGTMSE scheme, banks and financial institutions offer term loans and working capital facilities up to ₹2 crore with a government guarantee cover. This initiative supports small businesses in meeting operational expenses, expanding capacity, and maintaining a healthy cash flow.

Why Choose Us?

SME Experts, we simplify the process of availing CGTMSE Working Capital Loans by connecting you with trusted lenders and handling all documentation and eligibility formalities. Our experienced team ensures a smooth and quick approval process.

1. End-to-End Assistance – From eligibility check to loan disbursement.

2. Collateral-Free Funding – No property or asset security required.

3. Expert Consultation – Guidance on CGTMSE scheme benefits and lender selection.

4. Fast Processing – Streamlined loan application and approval support.

5. Post-Loan Support – Help with renewals, repayments, and compliance.