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CGTMSE Loans

Fuel your business dreams with collateral-free CGTMSE loans – empowering growth, backed by trust!

The Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) is a transformative initiative aimed at empowering small businesses by providing collateral-free loans. This scheme is a boon for budding entrepreneurs and existing businesses looking to expand without the hassle of securing assets as collateral. NIRAI, with its customer-centric approach, simplifies access to CGTMSE loans by offering expert guidance and seamless processing. From identifying eligibility to documentation and disbursal, NIRAI ensures that your entrepreneurial aspirations are supported every step of the way. With CGTMSE loans through NIRAI, you can focus on growing your business while leaving the financial worries to us.

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Key Features of CGTMSE Loans

Collateral-Free Financing

Wide Coverage across sectors

Substantial Loan Amount

Risk Mitigation

Flexible Repayment

Encourages Entrepreneurship

FAQ

Working capital
Loans

A working capital loan is a short-term financing option designed to help businesses manage their day-to-day operational expenses, such as purchasing inventory, paying salaries, or covering utility bills. It ensures smooth cash flow during periods of fluctuating revenue or increased operational demands.

To qualify for a working capital loan, businesses generally need to:

  • Be operational for a minimum period (usually 1-2 years).
  • Demonstrate consistent business revenue and a healthy financial track record.
  • Maintain a satisfactory credit score.
  • Provide necessary documentation, such as financial statements, GST returns, and KYC details.

  1. Working capital loans typically have flexible repayment terms, ranging from a few months to a few years, depending on the lender’s policies. Repayments are made in regular EMIs (Equated Monthly Installments) or as per the agreed structure. Interest rates may vary based on the loan amount, tenure, and the business’s creditworthiness.

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