CGTMSE Funding
Collateral-free funding for business growth.
- Loan amountUp to ₹5 Cr
- CollateralGovt-guaranteed (no asset pledge)
- SectorMicro & Small Enterprises
About this product
Why clients choose Viva Capital for CGTMSE.
CGTMSE (Credit Guarantee Fund Trust for Micro & Small Enterprises) lets eligible MSEs borrow without pledging collateral — the Government of India guarantees a significant portion of the loan to the lender on your behalf.
What we offer
Key features
- Collateral-free under government guarantee scheme
- Term loan + working capital under one scheme
- Available to manufacturing and service MSEs
- Subsidised guarantee fee for eligible borrowers
Who can apply
Basic eligibility
- Registered Micro or Small Enterprise (Udyam)
- Manufacturing or service sector (excludes agriculture, retail, education trusts)
- Viable project with positive cashflow projection
Keep ready
Documents required
- Udyam / MSME registration
- Project report / business plan
- Promoter KYC + ITR
- Existing banking statements
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
