We Help, You Grow.
Govt. Scheme Expert
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MSME Trusted
100% Transparent. No hidden fees.
Harshal Vijay Sanghani
Founder & MSME Loan Advisor
Harshal’s Signature
“Your business, our protection.”
Collateral-Free Doesn’t Mean Risk-Free.
Don’t fall for myths. Get clear, honest answers about what ‘collateral-free’ really means for your MSME.
Myth: No Collateral = No Risk
Banks still assess your profile for risk. If you default, it affects your CIBIL and future loans.
It’s not that simple. Hover to reveal truth.
Myth: Government Pays If I Default
CGTMSE is a partial guarantee to banks, not a free pass. You’re still responsible for the loan.
Not exactly. Hover to reveal truth.
Myth: All MSMEs Are Eligible
Eligibility depends on business profile, CIBIL, and documentation. Many are rejected for not meeting criteria.
Eligibility is not automatic. Hover to reveal truth.
Myth: Agents Can Guarantee Approval
No one can guarantee approval. Only banks decide, based on your documents and profile.
Be careful. Hover to reveal truth.
We Understand Your Struggles
Ever faced rejection without reason? Been shocked by hidden fees? You’re not alone—here’s what real MSMEs experience.
Bank Rejection
“My application was rejected. No explanation. Just a rejection SMS.”
😔
You’re not alone
Hidden Fees
“Agent said zero charges—but I paid more than ₹20,000 in ‘processing’.”
😠
No hidden fees here
Agent Traps
“Promised 100% approval if I paid upfront. Loan never came.”
😡
We protect you from this
Margin Money Confusion
“I didn’t know I had to keep margin money—bank rejected my file.”
🤔
We clarify every step
Multiple Applications Hurt
“I applied everywhere—now banks say my CIBIL is low.”
😓
We protect your profile
Opaque Process
“Nobody explained why my loan was delayed. I felt lost.”
😞
We keep you informed
Don’t Fall for Loan Traps
Beware of fake agents, app-based loans with hidden costs, and 100% approval claims. Protect your business.
Fake Agents
“Paid a large ‘processing fee’—never heard from agent again.”
You’re not alone
Hidden App Charges
“Got a loan through an app—interest rate was double what was promised.”
We’ll warn you about these
100% Approval Claims
“Was promised guaranteed approval if I paid extra. It was a scam.”
We only give honest advice
What You’ll Learn
- Eligibility criteria for MSME/CGTMSE loans
- Essential documentation checklist
- Myth-busting: Collateral-free ≠ risk-free
- How to keep your CIBIL safe
- Multi-bank application strategy
Start
Practical Value
Expert Insights
Finish
Harshal Vijay Sanghani
Founder & MSME Advisor
“We Don’t Just Arrange CGTMSE Loans. We Build Bankable MSME Profiles.”
- 10+ years MSME experience
- Direct WhatsApp support
- Zero commission, 100% honest advice
- Government scheme specialist
Thank you for trusting us!
Why Trust Helply Finance?
Govt. Registered
100%
Data Privacy
Founder-Led Advice
No Commissions
No commission-based advice. Only what’s right for you.
Frequently Asked Questions
What is CGTMSE?
CGTMSE is a government scheme that gives banks a guarantee to lend to MSMEs without collateral.
Is collateral required?
No. But you must meet eligibility and documentation criteria.
What is the maximum loan amount?
CGTMSE covers up to ₹10 crore for eligible MSMEs.
How long does approval take?
Typically 2-6 weeks, depending on documentation and profile.
What documents are required?
KYC, business proof, balance sheet, GST returns, and other standard documents.
Can new businesses apply?
Yes, if you have valid documents and a viable business plan.
Does applying to multiple banks help?
No. It can hurt your CIBIL and reduce your chances.
Don’t Let Loan Myths Cost You Growth.
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