CC / OD & Working-Capital Requirements
For eligible businesses requiring working-capital support or enhancement where conventional collateral is unavailable or insufficient.
BUSINESS FUNDING ADVISORY · PUNE
CGTMSE Funding Advisory for Established Micro & Small Enterprises
Seeking ₹1–10 Cr Business Funding Without Sufficient Collateral?
Kritagya Capital helps established businesses assess bankability, structure the funding requirement and identify an appropriate lender route where CGTMSE-backed credit may be relevant—subject to scheme eligibility and the lender's independent credit appraisal.
₹1–10 Cr Advisory FocusWorking Capital / CC / ODTerm & Machinery FundingHybrid SecurityLC / BG where eligible
Call +91 7276207307WhatsApp UsImportant: CGTMSE is a credit-guarantee mechanism, not a direct loan provider. Sanction, pricing, security structure and disbursement remain subject to the lending institution's appraisal and applicable scheme conditions.
Collateral-Free Does Not Mean Appraisal-Free
A CGTMSE-backed proposal still has to stand on the strength of the business. Lenders assess financial performance, cash flows, leverage, banking conduct, existing obligations, working-capital position, credit profile, funding purpose and repayment capacity before sanction.
Our approach: understand the business first, assess whether the requirement is bankable, structure the proposal appropriately and then identify suitable lender routes rather than circulating the same file indiscriminately.
Where CGTMSE-Backed Funding May Be Relevant
Machinery, Expansion & Business Investment
Eligible term-credit requirements may be considered under the scheme, subject to lender assessment and the nature of the proposed investment.
LC / BG and Related Limits
Eligible fund and non-fund based facilities, including Letters of Credit and Bank Guarantees, may fall within the current scheme framework.
When Some Collateral Is Available—but Not Enough
A lender may take collateral for part of an eligible facility while the remaining unsecured portion may be considered for CGTMSE guarantee coverage, subject to applicable conditions.
CGTMSE: Supporting MSE Credit Access Since 2000
CGTMSE was jointly set up by the Ministry of MSME, Government of India and SIDBI to support institutional credit flow to Micro and Small Enterprises through guarantees provided to eligible lending institutions.
The Credit Guarantee Scheme came into force in 2000 to improve access to institutional credit for eligible Micro and Small Enterprises.
CGTMSE Framework Begins
₹5 Cr → ₹10 CrImportant 2025 enhancement
The applicable CGS-I guarantee-coverage ceiling was increased from ₹5 Cr to ₹10 Cr, effective for eligible guarantees approved on or after 1 April 2025. The ₹10 Cr figure is a scheme ceiling—not an automatic sanction entitlement.
For current scheme rules and eligibility, refer to official CGTMSE guidance. Kritagya Capital does not represent CGTMSE or any government authority.
What Will a Lender Evaluate?
Business Strength
Operating track record, turnover, profitability, industry profile and sustainability of the business model.
Financial & Banking Conduct
Cash flows, leverage, existing debt, working-capital cycle, account conduct and overall credit profile.
Purpose & Repayment Capacity
Whether the proposed funding is justified by the business requirement and can be serviced from expected operations.
How KRITAGYA CAPITAL Approaches a CGTMSE Case
1
Understand
Business, existing banking and exact funding requirement.
2
Assess
Bankability, financial position and whether CGTMSE is a relevant route.
3
Structure
Prepare the requirement and identify suitable lender options.
4
Coordinate
Support presentation and lender coordination through the credit process.
CGTMSE Advisory for Pune's Industrial Businesses
Based in Koregaon Park, Pune, Kritagya Capital works with established businesses across Pune district and its major industrial belts for working capital, expansion and structured business-funding requirements.
Pune CityPimpri-ChinchwadBhosariChakanTalegaonRanjangaonShirurPirangut
Who This Advisory Is For
Good Fit
Established Business Funding Requirements
Micro and Small Enterprises evaluating meaningful working-capital, term-funding or expansion requirements, generally within Kritagya Capital's ₹1–10 Cr CGTMSE advisory focus.
Not Designed For
Retail or Instant-Cash Borrowing
This service is not intended for personal loans, consumer finance, instant/emergency cash requirements or applicants expecting guaranteed sanction solely because collateral is unavailable.
Frequently Asked Questions
Does CGTMSE itself provide the loan?
No. Eligible lending institutions provide the credit after their own appraisal. CGTMSE provides eligible guarantee cover to the lending institution under the applicable scheme.
Can working capital or a term loan alone be considered?
Yes. Under the current CGTMSE framework, either an eligible term loan or working-capital facility can be considered independently, subject to other eligibility conditions.
Does CGTMSE always mean zero collateral?
No. Pure collateral-free structures may be possible in eligible cases, while the Hybrid Security framework can allow a lender to take collateral for part of a facility and seek guarantee coverage for the eligible unsecured portion.
Does the ₹10 Cr ceiling mean every eligible business can obtain ₹10 Cr?
No. It is an applicable scheme ceiling, not a guaranteed loan amount. Actual sanction depends on the lender's assessment of the business, requirement, repayment capacity and applicable scheme conditions.
Confidential Business Discussion
Discuss Your CGTMSE Funding Requirement
For an established MSE evaluating a ₹1–10 Cr requirement, the first step is a focused discussion about the business, existing banking and purpose of funding.
Email: kritagyacapital@gmail.com
Office: Building E1/Office 3, First Floor, Liberty CHS, North Main Road, Koregaon Park, Pune, Maharashtra 411001
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