The Hybrid CGTMSE Product is an advanced financing solution under the Credit Guarantee Fund Trust for Micro and Small Enterprises, designed to provide collateral-free loans with a structured or partial security approach. It combines the benefits of traditional CGTMSE loans with flexible funding structures to support business growth.
It is a customized loan structure where a part of the funding is covered under CGTMSE (collateral-free guarantee), and the remaining portion may be structured with additional comfort like cash flow backing, limited security, or structured repayment.
Major portion covered under CGTMSE
Compared to standard CGTMSE loans
Mix of term loan, OD, or working capital
Reduced risk due to guarantee cover
Ideal for scaling MSMEs
Can go higher than standard CGTMSE limits (case-based)
Up to 75%–85% under CGTMSE
Competitive (depends on lender & profile)
1 to 7 years
Term Loan + OD / CC (Hybrid model)
It bridges the gap between pure collateral-free loans and secured funding, giving businesses more power, flexibility, and growth potential.
