Guides for MSME Owners
Plain-language guides written from inside the MSME lending practice. No filler. Each article covers a specific problem a business owner actually faces when seeking funding.
CGTMSE
How to Apply for a CGTMSE Loan: Step-by-Step Guide
The CGTMSE loan process explained step by step: eligibility, documents you need, lender submission, and how sanction happens in 48–72 hours.
CGTMSE Fee Explained: AGF Slabs, Who Pays, How Much
How the CGTMSE Annual Guarantee Fee works in 2026: the 0.37%–1.20% slabs, who bears the cost, and whether it is charged every year.
CGTMSE Scheme Eligibility: Who Qualifies in 2026
A plain guide to CGTMSE eligibility for Indian MSMEs: which sectors qualify, loan limits, the credit profile lenders expect, and the documents to prepare.
Working Capital
Cash Credit vs Overdraft: The Difference for MSMEs
The difference between cash credit and overdraft, how each works for working capital, interest and limits, and which fits your business.
Working Capital Consultant vs Your Bank's RM
A bank RM works for the bank. A working capital consultant works for you. Here is what that difference costs an MSME owner, with a real case.
Distress Funding
Guides on Distress Funding coming soon.
Talk to Suryaa Directly
Guides cover the theory. For your actual funding case, call or WhatsApp Suryaa Singh for a no-obligation assessment.
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