Collateral-free business loans backed by the Government of India
CGTMSE (Credit Guarantee Fund Trust for Micro and Small Enterprises) is a scheme by the Ministry of MSME, Government of India, under which banks lend to eligible MSMEs without asking for property or collateral. Instead of a mortgage, the bank takes a guarantee cover from the CGTMSE trust — so your shed, home, or land stays untouched.
Fincentrix specialises in CGTMSE files for manufacturers and traders in the Pune MIDC belt. We assess your eligibility, prepare the complete file (projections, ratios, DPR where needed), match you with the right CGTMSE member lending institution, and follow the file until disbursal.
Loans are available for working capital, term loans, or composite limits — covering manufacturing, trading, services, and retail businesses.
The Trust guarantees the lender's downside, so the bank lends against your cash flow instead of your property.
Indicative fee charged by the Trust and collected by the lender. Concessions apply for women-led and ZED-certified units.
Tell us your requirement in 2 minutes.
Free assessment within 48 hours.
We build and submit the complete bank-ready file.
We follow through to money-in-account.
Fill this short form — our advisor calls within 4 business hours. Or use the full application →
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