Can an MSME exporter get export credit without collateral?
As of the Government's February 2026 summary, yes, possibly. Under the Export Promotion Mission, lenders get credit guarantee support so Micro, Small and Medium Enterprise (MSME) exporters can borrow without collateral. Cover is 85% for micro and small enterprises and 65% for medium ones, up to ₹10 crore per exporter. Check with your bank that it is still open.
What the support is
The Government's February 2026 summary calls it Collateral Support for Export Credit. It is a credit guarantee to the lending institution, which lets the lender extend export credit without asking you for collateral.
The limits it states
- Guarantee cover of 85% for micro and small enterprises.
- Guarantee cover of 65% for medium enterprises.
- A maximum eligible credit limit of ₹10 crore per exporter.
A related scheme
In December 2025 the Government also approved an expansion of the Credit Guarantee Scheme for Exporters, through the National Credit Guarantee Trustee Company Limited, for additional credit including an extra working capital allowance. The release says it was valid up to 31 March 2026. We found no announcement of an extension as of 6 November 2026, so ask your bank or check the current notice.
What the lender still decides
A guarantee covers the lender's loss. The lender still decides whether to lend, based on your order book, repayment record and the limit you ask for.
What Senseible does here
Senseible turns fuel and power bills into a dated emissions record that a European Union (EU) buyer or a lender can read. Senseible does not lend. It connects verified records to its financing partners, the partner decides, and nothing is guaranteed.
- Collateral-free MSME loan limit
- Credit guarantee for MSME green loans
- Export credit and priority sector lending
- For lenders: borrower emissions from bills
Sources: Press Information Bureau, Export Promotion Mission: Building an Integrated Pathway for MSMEs in Global Trade, 24 February 2026 (Collateral Support for Export Credit), Press Information Bureau, Export Promotion Mission: A Unified Framework for Strengthening India's Export Competitiveness, 6 December 2025 (Credit Guarantee Scheme for Exporters)
Last reviewed 2026-11-06.