Description

CGTMSE Loan Consultants in Ahmedabad, Gujarat, India. CGTMSE Loan: Fueling Your Business Dreams Get collateral-free loans for your Micro and Small Enterprises. A CGTMSE loan, backed by the Credit Guarantee Fund Trust for Micro and Small Enterprises, is your key to securing a business loan without the need for collateral or third-party guarantees. We connect you with trusted lenders to help you get the funding you need to start or grow your business with confidence. Apply Now How a CGTMSE Loan Helps Your Business CGTMSE loans are designed to empower entrepreneurs by providing access to credit, removing the biggest barrier for new and small businesses: collateral. The funds can be used for:  Starting a New Business: Get the capital to launch your startup, cover initial costs, and purchase equipment.  Working Capital: Meet your day-to-day operational expenses, manage inventory, and handle payroll.  Business Expansion: Scale up your operations, open new branches, or upgrade your technology.  Machinery & Equipment: Purchase essential assets to boost production and efficiency. Key Features & Why Choose Us We make your CGTMSE loan journey simple, fast, and secure.  Collateral-Free: No need to pledge any personal or business assets as security.  Government-Backed Guarantee: The loan is backed by the CGTMSE, reducing the risk for lenders and making approval easier.  Competitive Rates: We connect you with lenders offering attractive interest rates, as the guarantee reduces the risk premium.  Flexible Loan Amount: Get loans up to a certain limit without collateral, with even higher amounts possible for larger projects.  Zero Charges: We do not charge any fees for our services. Lender-specific fees, such as guarantee and processing fees, are paid directly to the lender.  Extensive Network: Our wide network of lending partners, including banks and NBFCs, ensures you get the best offer available. Eligibility & Documents Getting a CGTMSE loan is a straightforward process with our streamlined approach. Broad Eligibility Criteria  Business Type: Micro and Small Enterprises (as per MSME classification).  Loan Amount: Typically for loans up to a specific limit, with 100% credit guarantee available for a smaller limit.  Business Plan: A clear and viable business plan is essential.  Borrower: Must have a clean credit record. Basic Documents Required  Business Proof: MSME registration certificate, business registration documents.  Financial Documents: Business plan, project report, and financial statements (for existing businesses).  ID & Address Proof: PAN, Aadhaar, and other KYC documents for the proprietor or directors.  Other: Any additional documents required by the lending institution. FAQs a. What is a CGTMSE loan? A CGTMSE loan is a collateral-free loan for Micro and Small Enterprises, where the Credit Guarantee Fund Trust provides a guarantee to the lender, securing the loan amount. b. Is a CIBIL score important for a CGTMSE loan? Yes, while it is collateral-free, a clean CIBIL score and credit history are important for loan approval, as lenders still need to assess your repayment capability. c. What is the role of Tre Sessanta? We act as a facilitator, connecting you with multiple lenders who offer CGTMSE loans and guiding you through the application and documentation process to increase your chances of approval. d. Do I have to pay any guarantee fees? Yes, the lending institution charges a one-time guarantee fee and an annual service fee, which are paid directly to the lender and passed on to the CGTMSE. Statutory Declarations & Disclaimers – CGTSME Loan Facilitation Entity Status Declaration  Tre Sessanta Financial Services Pvt. Ltd. is not a financial institution, bank, NBFC, or lender.  We operate as a corporate DSA (Direct Selling Agent), facilitating home loan applications through a network of registered banks, NBFCs, and fintech platforms.  We do not disburse loans, determine eligibility, or set interest rates. All decisions are made solely by the lending institution. Scope of Services  Tre Sessanta provides end-to-end assistance in home loan applications, including: Product discovery Documentation support Coordination with lenders Application tracking Loan Disclaimer “Loan approval, amount, tenure, interest rate, and other terms are at the sole discretion of the lending institution.”  Tre Sessanta does not guarantee loan approval or disbursement nor do we guarantee the tenure or Rate of Interest.  Loan terms may vary based on the applicant’s financial profile, credit score, property documentation, and lender policies.  Financing institutions reserve the right to change terms without prior notice. RBI & Regulatory Compliance  All loans are facilitated through RBI-licensed banks and NBFCs.  Tre Sessanta ties up with the partner institutions who are regulated and compliant with applicable lending norms.  We do not engage in unauthorized lending or non-compliant credit practices. Cautionary Message to Borrowers  Do not share your loan application credentials, OTPs, or personal documents with unauthorized agents or third parties.  Avoid acting on unsolicited loan offers received via WhatsApp, Telegram, or social media.  Always verify the lender’s credentials and read the final loan agreement carefully before signing. Legal Disclaimer  The information provided on this website is for general awareness and does not constitute financial advice.  Tre Sessanta assumes no liability for decisions made based on this information.  For binding terms, refer to the final loan agreement issued by the lender. Ready to grow your business? Apply Now | Talk to an Expert