Secure up to ₹5 Crore collateral-free institutional business loans backed by the CGTMSE credit guarantee trust. Expert CMA data preparation and bank liaison by REXERA.
SIDBI & Ministry of MSME jointly absorb the lender's credit risk, so banks approve funding without demanding immovable property or third-party guarantees.
Review sovereign risk absorption percentages and annual guarantee fee rates defined by SIDBI & Ministry of MSME.
| Borrower Category | Credit Facility Range | Guarantee Coverage % | Annual Guarantee Fee (AGF) |
|---|---|---|---|
|
Micro Enterprises
Lowest ticket enterprise funding
|
Up to ₹5 Lakhs | 85% Sovereign Cover | 0.37% p.a. |
|
Micro Enterprises
Special subvention for priority demographics
|
Above ₹5 Lakhs to ₹50 Lakhs | 75% (85% for Women/SC/ST) | 0.55% - 0.75% p.a. |
|
Small Enterprises / General
Growth-stage manufacturing & service businesses
|
₹50 Lakhs to ₹2.00 Crore | 75% Sovereign Cover | 0.80% - 1.20% p.a. |
|
Enhanced Limit MSMEs
Industrial scaling & CAPEX expansion
|
₹2.00 Crore to ₹5.00 Crore | 75% Sovereign Cover | 1.20% - 1.35% p.a. |
|
Women-Led Units / ZED Certified
Zero Defect Zero Effect certified enterprises
|
Up to ₹5.00 Crore | 85% (Highest Cover) | Concessional rates (10% rebate) |
Ensure your enterprise aligns with the official operational and regulatory benchmarks.
The enterprise must possess an active Udyam Registration Certificate classifying it as either a Micro or Small Enterprise. (Medium enterprises are excluded from CGTMSE).
Both new (greenfield) and existing (brownfield) enterprises engaged in manufacturing, services, educational institutions, healthcare centers, and wholesale/retail trade.
Assets created from the loan (such as plant machinery, industrial vehicles, tools, raw material inventory) must be hypothecated exclusively to the lending institution.
The credit facility must be purely non-collateralized. The bank is legally barred from asking for immovable property mortgages or third-party personal guarantees under CGTMSE.
Borrowers can avail composite facilities combining Term Loan (for capital investment) and Working Capital (Cash Credit/Overdraft) under a single guarantee account.
Promoters should have a clean credit record (CIBIL 680+) with no willful defaults or non-performing assets (NPA) in any financial institution.
While CGTMSE is a government mandate, banks often hesitate to lend without collateral unless presented with institutional-grade financial modeling.
We prepare audited Credit Monitoring Arrangement (CMA) models, DSCR calculations, operating cycles, and sensitivity projections that satisfy bank credit committees.
We connect your proposal with public and private sector bank branches actively achieving their Priority Sector Lending (PSL) and CGTMSE guarantee targets.
We address technical credit queries, explain debt repayment capabilities, and ensure the bank does not place unauthorized collateral stipulations.
We monitor the bank's portal entry into the official CGTMSE trust portal, verify guarantee fee deduction, and ensure smooth fund credit to your current account.
REXERA is an independent debt advisory firm. We are not CGTMSE or SIDBI. CGTMSE coverage and loan sanction are subject to credit appraisal by Member Lending Institutions (MLIs) and adherence to the Credit Guarantee Scheme for Micro and Small Enterprises guidelines.
How REXERA ensures your credit proposal passes bank risk committees without collateral bottlenecks.
REXERA structures and audits every financial file before submission to ensure zero rejection by MLI credit underwriting teams.
Udyam Registration Certificate, PAN Card, Certificate of Incorporation / Partnership Deed, and GST Registration.
Audited Balance Sheets, Profit & Loss accounts, Tax Audit Reports, and 3 years Income Tax Returns with computation.
Detailed Credit Monitoring Arrangement (CMA) report with operating cycle, DSCR, and 5-year financial projections (prepared by REXERA).
Original statements of all operational current accounts, OD/CC facilities, and promoter savings accounts showing clean cash flows.
Proforma invoices from certified OEM suppliers for machinery/equipment and Detailed Project Report for capital expenditure.
PAN, Aadhaar, Net Worth Statements of Directors/Partners, CIBIL reports, and experience profile in the industry.
Clear answers regarding limits, collateral rules, guarantee fees, and approval timelines.
No. Under the Credit Guarantee Scheme for Micro and Small Enterprises, Member Lending Institutions (MLIs) are legally prohibited from demanding third-party personal guarantees or immovable property mortgages. The credit is backed solely by primary security (hypothecation of financed assets) and the sovereign trust guarantee.
The maximum credit facility limit eligible for CGTMSE coverage has been enhanced to ₹5.00 Crore per borrower. This can be availed as a composite loan combining Term Loans and Working Capital facilities (Cash Credit/Overdraft).
Annual Guarantee Fee starts at 0.37% per annum for micro units up to ₹5 Lakhs, and ranges from 0.55% to 1.35% per annum for higher ticket sizes. Women-led units, ZED-certified enterprises, and aspirational district units receive special fee concessions and rebates.
Banks often hesitate when applications lack formal Credit Monitoring Arrangement (CMA) models or DSCR proof. REXERA builds bank-ready institutional CMA dossiers, matches your proposal with active PSL target branches, and represents your case before credit committees to secure seamless sanction.
Let REXERA build your institutional credit dossier and secure non-collateralized bank sanction.
Evaluate zero-collateral loan sanction feasibility up to ₹5 Cr.
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