Frequently Asked Questions.
Under the CGTMSE scheme (Credit Guarantee Fund Trust for Micro and Small Enterprises), the Government of India guarantees your loan to the bank, so micro and small enterprises can access institutional credit without pledging collateral or third-party guarantees.
Realms Enterprises prepares and places CGTMSE proposals with member lending institutions, managing the file from project report to guarantee cover to disbursal.
Guarantee cover is available for credit facilities up to ₹5 Crore under current scheme norms.
No collateral and no third-party guarantee — the CGTMSE trust's guarantee substitutes for it. The unit's own assets created from the loan are charged to the bank.
Yes — greenfield micro and small enterprises are explicitly covered; a strong project report is the key, and we prepare it.
A small annual guarantee fee (percentage of sanctioned amount, varying by loan size and category) is payable — we include it transparently in your cost sheet.
Bring us the transaction, the tender, or the target, we'll bring the structure, the capital and the network to move it forward.