{"id":4339,"date":"2022-04-14T10:08:31","date_gmt":"2022-04-14T10:08:31","guid":{"rendered":"https:\/\/www.caindelhiindia.com\/blog\/?p=4339"},"modified":"2025-10-21T18:53:18","modified_gmt":"2025-10-21T18:53:18","slug":"startup-loan-for-business-without-any-collateral","status":"publish","type":"post","link":"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/","title":{"rendered":"Startup Loan for Business without any Collateral"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4340\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral.png\" alt=\"Startup Loan for business without any Kind of collateral\" width=\"2647\" height=\"846\" srcset=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral.png 2647w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral-300x96.png 300w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral-1024x327.png 1024w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral-768x245.png 768w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral-1536x491.png 1536w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral-2048x655.png 2048w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/Startup-Loan-for-business-without-any-Kind-of-collateral-800x256.png 800w\" sizes=\"(max-width: 2647px) 100vw, 2647px\" \/><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_58 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d23d5704a85\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d23d5704a85\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#How_to_get_a_startup_Loan_for_business_without_any_Kind_of_collateral\" title=\"How to get a startup Loan for business without any Kind of collateral ?\">How to get a startup Loan for business without any Kind of collateral ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#Some_schemes_of_government_to_provide_ease_of_doing_business_for_startups_in_India_2022\" title=\"Some schemes of government to provide ease of doing business for startups in India (2022)\">Some schemes of government to provide ease of doing business for startups in India (2022)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#Mudra_loan_under_PMMY\" title=\"Mudra loan under PMMY : \">Mudra loan under PMMY : <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#Stand_up_India_scheme\" title=\"Stand up India scheme: \">Stand up India scheme: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#CGTMSE_scheme\" title=\"CGTMSE scheme: \u00a0\">CGTMSE scheme: \u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#Bank_credit_facilitation_scheme\" title=\"Bank credit facilitation scheme: \">Bank credit facilitation scheme: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#Coir_Udyami_Yojana\" title=\"Coir Udyami Yojana : \">Coir Udyami Yojana : <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#ELIGIBILITY_CONDITIONS_TO_GET_A_STARTUP_LOAN_COLLATERAL_FREE\" title=\"ELIGIBILITY &amp; CONDITIONS TO GET A STARTUP LOAN COLLATERAL FREE\">ELIGIBILITY &amp; CONDITIONS TO GET A STARTUP LOAN COLLATERAL FREE<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#DOCUMENTS_NECESSARY_FOR_LOAN\" title=\"DOCUMENTS NECESSARY FOR LOAN \">DOCUMENTS NECESSARY FOR LOAN <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caindelhiindia.com\/blog\/startup-loan-for-business-without-any-collateral\/#Procedure_to_apply_for_a_loan_without_collateral_for_startup\" title=\"Procedure to apply for a loan without collateral for startup :\">Procedure to apply for a loan without collateral for startup :<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_to_get_a_startup_Loan_for_business_without_any_Kind_of_collateral\"><\/span><span style=\"color: #000080;\"><strong>How to get a startup Loan for business without any Kind of collateral ?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Lack of funds is one of the reason number of good business blows. However there exists sources in India that grant loans. In general, a 3 year of business vintage period is required for loan from financial institution. For ease of doing business , government offers loan without collateral.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Some_schemes_of_government_to_provide_ease_of_doing_business_for_startups_in_India_2022\"><\/span><span style=\"color: #000080;\"><strong>Some schemes of government to provide ease of doing business for startups in India (2022)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Following is a list of schemes offered by indian government for startups in India :<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Mudra_loan_under_PMMY\"><\/span><strong><span style=\"color: #000080;\">Mudra loan under PMMY :<\/span> <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Prime Minister&#8217;s Pradhan Mantri Mudra Yojana (PMMY) is a lending scheme that provides loans up to Rs. 10 lakh to non-corporate, non-farm small and micro enterprises. Under PMMY, these loans are categorised as Mudra loans. Commercial banks, RRBs, Small Finance Banks, MFIs, and NBFCs provide these loans.<\/p>\n<p>The motive of this scheme is to fund the unfunded. Micro Units Development and Refinancing Agency (MUDRA) offers loan to micro units and non cooperative small businesses. It is a collateral free loan. Further it is divided into 3 units\/<\/p>\n<ul>\n<li><strong>Shishu Loan-\u00a0<\/strong>entrepreneurs can get loans up to Rs.50,000 for a maximum of 5 years repayment period, under this scheme.<\/li>\n<li><strong>Kishor Loan-<\/strong>Loan offered from the loan amount of Rs.50,000 to Rs.5 lakhs.<\/li>\n<li><strong>Tarun Loan-\u00a0<\/strong>Loan amount ranges from Rs. 5 lakhs to Rs.10 lakh.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Stand_up_India_scheme\"><\/span><strong><span style=\"color: #000080;\">Stand up India scheme:<\/span> <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>This scheme provide financial assistance to SC\/ST and women entrepreneurs\u00a0 to start business . loan of sum 10 lakh to 1 crore can be availed, to a single borrower,\u00a0 under this scheme to set up business entereprise in manufacturing sector or service sector etc.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"CGTMSE_scheme\"><\/span><span style=\"color: #000080;\"><strong>CGTMSE scheme: \u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>stands for Credit guarantee trust fund for micro and small businesses. This loan covers almost all new and existing enterprise. Maximum of 1 crore can be availed under this scheme, without collateral. It is easy to get loan under this scheme for manufacturing enterprises.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bank_credit_facilitation_scheme\"><\/span><strong><span style=\"color: #000080;\">Bank credit facilitation scheme:<\/span> <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>NSIC which stands for National small industry facilitation give loan to MSMEs in India with collaborating public and private sector. Repayment tenure depends on income of the borrower. Generally, the repayment tenure is from 5 to 7 years, it can go upto 11 years.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Coir_Udyami_Yojana\"><\/span><strong><span style=\"color: #000080;\">Coir Udyami Yojana :<\/span> <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Coir Udyami Yojana (CUY) is a\u00a0credit-linked subsidy scheme, Coir board initiated this scheme, the task is to coir unit all over India. It \u00a0grants loan specifically \u00a0to project-based enterprises with a project cost up to 10 lakh. The\u00a0 limit that of not exceed 25% of project cost set up by Coir board. In the form of term loan , capital expenditure is given , in form cash credit working capital\u00a0 is given.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"ELIGIBILITY_CONDITIONS_TO_GET_A_STARTUP_LOAN_COLLATERAL_FREE\"><\/span><span style=\"color: #000080;\"><strong>ELIGIBILITY &amp; CONDITIONS TO GET A STARTUP LOAN COLLATERAL FREE<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Age of borrower shall be minimum can go upto 60 years.<\/li>\n<li>There shall be no default in repayment from any financial institution.<\/li>\n<li>There shall be atleast 3 years of business existence.<\/li>\n<li>The borrower shall present a good business plan with innovative product\/service in market.<\/li>\n<li>Firm shall carry a patron from a patent or trademark office.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"DOCUMENTS_NECESSARY_FOR_LOAN\"><\/span><strong><span style=\"color: #000080;\">DOCUMENTS NECESSARY FOR LOAN<\/span> <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Application is to filed with a passport sized photograph.<\/li>\n<li>PAN card, aadhar card , voter Id , Utility bills etc for KYC<\/li>\n<li>Certificate of business registration<\/li>\n<li>Patent\u2019 registration certificate<\/li>\n<li>Any other document as required by the lender.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Procedure_to_apply_for_a_loan_without_collateral_for_startup\"><\/span><span style=\"color: #000080;\"><strong>Procedure to apply for a loan without collateral for startup :<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4343\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy..png\" alt=\"How-to-Apply-for-a-Small-Business-Loan-Appy.\" width=\"1713\" height=\"2092\" srcset=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy..png 1713w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy.-246x300.png 246w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy.-838x1024.png 838w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy.-768x938.png 768w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy.-1258x1536.png 1258w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy.-1677x2048.png 1677w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2022\/04\/How-to-Apply-for-a-Small-Business-Loan-Appy.-800x977.png 800w\" sizes=\"(max-width: 1713px) 100vw, 1713px\" \/><\/p>\n<p>Various lender offers various loans at different rates , borrower is advised to compare all of them by visiting IFCCL , to get the best\u00a0 deal among all. Collateral is not required only on unsecured\u00a0 business loans.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to get a startup Loan for business without any Kind of collateral ? Lack of funds is one of the reason number of good business blows. However there exists sources in India that grant loans. In general, a 3 year of business vintage period is required for loan from financial institution. For ease of &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[844],"tags":[887],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/4339"}],"collection":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/comments?post=4339"}],"version-history":[{"count":5,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/4339\/revisions"}],"predecessor-version":[{"id":9576,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/4339\/revisions\/9576"}],"wp:attachment":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/media?parent=4339"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/categories?post=4339"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/tags?post=4339"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}