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MSME Collateral-Free Business Fund

Collateral-free capital to run and grow your MSME.

No collateral
Apply Now → Calculate EMI →
Loan Amount / Ticket size
Up to ₹15 Crore
Free eligibility assessment · Advisor calls within 4 business hours
Check Eligibility →
At a Glance

MSME Collateral-Free Business Fund — Key Facts

Loan Amount / Ticket size
Up to ₹15 Crore
Interest Rate / Cost
From \~11% p.a. (profile-dependent)
Collateral
Not required
Tenure
Up to 7 years
Turnaround Time
48--72 hours for in-principle view
Best For
Registered MSMEs funding opex, upgrades & expansion
Overview

What It Is & How It Works

Broader collateral-free funding line for registered MSMEs covering operational expenses, infrastructure development, technology upgrades, and expansion --- distinct from the CGTMSE-specific guarantee product.

How It Works

The Process, Visualised

Collateral-free MSME fundingRegistered MSMEUdyamAssessmentCash-flow basedSanctionNo collateralDisbursalGrowth funded

A collateral-free funding line for registered MSMEs — operations, upgrades, and expansion.

Eligibility Criteria

  • Registered MSME with valid Udyam registration
  • Typically 2 years\' operating history
  • GST-registered with filed returns
  • CIBIL score of 700+ preferred
  • Positive business cash flows

Documents Required

  • Udyam registration certificate
  • PAN, Aadhaar and business registration
  • GST returns for the last 1--2 years
  • Last 12 months\' bank statements
  • Last 2 years\' ITR and financials
  • Business address proof
Process

From Application to Disbursal

1

Apply Online

Tell us your requirement in 2 minutes.

2

Eligibility Check

Free assessment within 48 hours.

3

File Preparation

We build and submit the complete bank-ready file.

4

Sanction & Disbursal

We follow through to money-in-account.

Who It's For

Common Applicants

Auto Components
Fabrication
Precision Engineering
Trading
Manufacturing
Services
Get Started

Apply for MSME Collateral-Free Business Fund

Fill this short form — our advisor calls within 4 business hours. Or use the full application →

✓ Free assessment · Documents stored securely · We call within 4 business hours

FAQ

Frequently Asked Questions

CGTMSE is a specific government-guarantee-backed product; this is a broader collateral-free line for registered MSMEs covering opex, infrastructure, technology upgrades, and expansion.
Up to ₹15 Crore, subject to your Udyam registration, operating history, financials, and repayment capacity.
Typically about two years of operating history plus a valid Udyam registration and filed GST returns.
Operational expenses, infrastructure development, technology upgrades, and expansion --- there is no restriction on legitimate business use.
Explore More

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Apply for MSME Collateral-Free Business Fund

Free eligibility assessment · Advisor calls within 4 business hours · Documents stored securely

Apply Online — Free → WhatsApp Us
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