Short, practical reading.
Plain answers to the questions owners ask us most: loans without collateral, the CGTMSE fee, late payments and tenders.
Answers on this site.
The CGTMSE fee, charged every year
What the guarantee costs at each loan slab from 1 April 2025, why it is charged on the outstanding amount after year one, and a calculator.
Read the fee guide LoansWhat banks ask for in a loan file
The usual document list, from Udyam and GST returns to the project report and CMA data (the bank's table of your past and projected numbers), and the five steps of a CGTMSE application.
See the list Late paymentsInvoices unpaid after 45 days
The 45-day rule, compound interest at three times the RBI bank rate, and how a delayed-payment claim is filed through MSME Samadhaan.
Know your rights ToolLoan readiness check
A few quick questions, a score out of 100 and the top things your bank is likely to question. Indicative only.
Check your readiness TendersWhy good suppliers lose tenders
How a bid fails on one missing paper before price is even compared, and what a simple bid checklist fixes.
See Government & Tender Sales How we workWhat happens after you contact us
A free call, a clear plan, and what happens next.
See how we workHave a specific question?
Ask us on WhatsApp. We reply within 1 hour, any day, any time.
