Loan Product: CGTMSE Loan (Credit Guarantee Fund Trust for Micro and Small Enterprises)
Sanctioned Amount: ₹4.5 Crores
Category: Collateral-Free Business Loan
Location: Gujarat, India
🚧 The Challenge
Azammiya Alammiya, an emerging industrial enterprise, faced a major roadblock—lack of sufficient collateral. Despite a strong business model and growth potential, traditional banks were unwilling to fund the venture due to asset limitations. The client urgently needed high-ticket funding to expand production capabilities and meet rising demand.
💡 The Ketzal Solution
Ketzal Financial Services conducted a thorough evaluation of the client's financials and growth plan. Understanding their potential, we:
- Recommended a CGTMSE-backed loan structure, allowing 100% collateral-free funding.
- Prepared a detailed, bank-compliant project report and credit proposal.
- Matched the client with lenders who were actively disbursing loans under the CGTMSE scheme.
- Guided end-to-end execution—right from documentation to disbursement.
✅ The Outcome
Within a short turnaround time, Azammiya Alammiya received a ₹4.5 Crore loan without pledging any property or assets. The funding enabled:
- Setup of new production lines
- Increased output and job creation
- Improved working capital and vendor management
This case stands as a strong example of how strategic consulting and government schemes can unlock growth even for asset-light businesses.