CGSS: Secure Collateral-Free Debt Funding up to ₹20 Crores
Scale your operations without diluting equity. We handle the complex financial modelling, DPR preparation, and bank liaison required to secure government-backed venture debt.
Why Choose the CGSS Scheme?
The smartest way to raise growth capital without risking personal assets or giving up equity
Zero Collateral Required
Access significant debt capital without pledging personal properties, machinery, or fixed assets.
Up to ₹20 Crore Limit
High credit ceiling designed specifically to support rapid scaling and heavy operational expenditures.
Flexible Debt Types
Covers traditional term loans, working capital, venture debt, and subordinated debt instruments.
NCGTC Backed
Lenders are protected by the National Credit Guarantee Trustee Company, ensuring faster loan approvals for you.
- DPIIT Registration: Mandatory valid recognition from the Department for Promotion of Industry and Internal Trade.
- Entity Type: Must be a Private Limited Company, Registered Partnership, or LLP.
- Financial Standing: The startup must not be classified as a Non-Performing Asset (NPA) or be in default to any lending institution.
- Approval Criteria: The startup’s financial viability must be certified by the lending Member Institution (MI).
- DPIIT Certificate and standard Incorporation documents.
- Audited Financial Statements (for operational startups).
- Bank-compliant Detailed Project Report (DPR) with cash flow projections.
- Structured Credit Monitoring Arrangements (CMA) data.
- Promoter KYC and clean CIBIL track record.
Our Funding Advisory Process
From initial financial audit to final bank disbursement
Financial Health Assessment
We audit your startup’s financial history, debt capacity, and ensure you meet the strict non-NPA eligibility criteria.
DPR & CMA Preparation
Our financial analysts prepare a robust Detailed Project Report (DPR) and CMA data sheets tailored for commercial banking standards.
Member Institution Liaison
We present your funding case to approved Member Institutions (Banks/NBFCs) and resolve underwriting queries directly.
NCGTC Guarantee Cover
Once the bank sanctions the loan, we assist the bank in formally applying for and securing the NCGTC guarantee cover prior to disbursement.
Frequently Asked Questions
Understand the mechanics of NCGTC guarantees and commercial lending
Assess Your Debt Capacity
Connect with our commercial banking consultants. We will evaluate your CMA data to determine your eligible credit limit under CGSS.