ALL FINANCE SOLUTION ACROSS INDIA
CGTMSE Help
GOVT Sponsored CGTMSE Business Loan Assistance for MSMEs in India
Business Loan Up to 5Cr. Without Collateral in Kolkata
Get funding support under CGTMSE with simple process
No collateral required
Support for small businesses
Quick application process
Helps new or growing businesses access credit
Government-backed support mechanism
Useful for businesses lacking property security
A CGTMSE loan is a collateral-free business loan for Micro, Small, and Medium Enterprises (MSMEs) under the Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE) scheme. It is backed by the Government of India and helps eligible businesses get loans from banks/NBFCs without pledging property or other collateral.
About Galaxy Finserv
Galaxy Finserv is a registered financial service provider based in Kolkata. Galaxy Finserv is a loan assistance service provider and not a direct lender, offering assistance in securing personal, business, and other types of loans through trusted banking and NBFC partners across India.
UDYAM Registration No: UDYAM-WB-10-0150997
Type: Micro Enterprise
Business Activity: Financial Services (Loan Assistance)
Established: 2023
Unsecured Business Funding from ₹10 Lakh to ₹5 Crore
No Collateral • No Security • Simple Process
Galaxy Finserv is a loan assistance service provider, helping businesses connect with trusted banks and NBFC partners across India. We do not directly lend but assist in securing suitable financial solutions based on eligibility.
Key Highlights
✅ Cash Credit Facility (CC) – Pay interest only on the utilized amount
✅ Unsecured Loan Options – No property collateral required (subject to lender approval)
✅ Fast Processing – Application to decision typically within a few working days*
✅ Minimal Documentation – Simple and streamlined process
✅ Suitable for Multiple Business Types – Proprietors, Firms, Companies & MSMEs
✅ Business Vintage – Minimum 2 Years preferred
✅ CIBIL Score – 700+ preferred (may vary by lender)
✅ Service Availability – Across India 🇮🇳
💰 Loan Range: ₹10 Lakh – ₹5 Crore (subject to eligibility)
Balance Transfer Facility
Already servicing a business loan?
You may be eligible to:
✔ Transfer your existing loan to a lower interest rate*
✔ Avail additional top-up funding*
(*Subject to lender evaluation and approval)
CGTMSE Loan (Unsecured – Cash Credit)
A CGTMSE-supported loan is a government-backed credit guarantee scheme designed to help eligible MSMEs access funding without collateral. Funding is generally offered through partner lenders in the form of a cash credit facility.
Benefits
No Collateral Requirement (as per CGTMSE guidelines)
Competitive Interest Rates (as per lender approval)
Flexible Working Capital Usage
Government-supported MSME initiative.
Better cash flow management.
Supports business expansion and operations
• MSMEs / Small Businesses / Proprietorship / Partnership / Pvt Ltd
• Minimum 1–2 years of business operations (preferred)
• Turnover-based eligibility (as assessed by lenders)
• Active and regular banking transactions
• GST Registration (preferred; may vary case-to-case)
• Acceptable credit profile (CIBIL score generally 700+ preferred)
Business & Financial Documents
• PAN Card (Individual & Business)
• Aadhaar Card
• Business Proof (GST / Shop Act / Trade License)
• Bank Statements (last 6–12 months)
• ITR (last 1–2 years)
• Financial Statements (if applicable)
• GST Returns (if available)
Eligibility Criteria
Documents Required
Key Features
• Loan Type: Unsecured Cash Credit Facility (CGTMSE supported)
• Loan Amount: Based on business profile and lender assessment
• Eligibility Range: Typically up to 20%–30% of annual turnover*
• Interest Rate (ROI): Starting from 10.50% per annum*
• Processing Time: Usually 2–5 working days*
• Tenure: Renewable annually (as per lender terms)
• Usage: Withdraw funds as needed; interest applicable on utilized amount only.
(*All terms are indicative and subject to lender policies)
Eligibility check
Why Choose Galaxy Finserv?
• Assistance in finding suitable lender options
• Access to multiple banks & NBFCs
• Guidance through documentation and application process
• Faster coordination with lending partners
• Support for MSME funding requirement
Important Disclosure
Galaxy Finserv is not a direct lender. We act as a facilitator/consultant, connecting applicants with regulated financial institutions.
Loan approval, interest rates, processing time, and disbursal are solely at the discretion of the respective bank or NBFC, based on their internal policies and applicant eligibility.
Contact
Contact us for loan guidance
Chatterjee International Centre , 19th Floor, Room no. 6 ,33A, Jawaharlal Nehru Road,Park Street, Kolkata 700071
+91-75960 57715
Copyright © Galaxy Finserv. All rights reserved.
Address
Phone
support@galaxy-finserv.com