The bank said “No” because you have no collateral. But there is a
government workaround that most MSME owners never find out about.
It is called CGTMSE — and it lets you get a collateral free loan
under MSME schemes of up to ₹10 crore, without pledging property,
gold, or a personal guarantor. Here is exactly how it works and
how to use it.

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