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CMA Data
Quickly prepare your CMA data online and grow your business with bank loans. Services start at INR 6499/- only.
CMA Report Preparation
All you need to know
CMA Report stands for Credit Monitoring Arrangement report. In this, past, present and projected figures are put in a defined format (prescribed by RBI) with all the required financial analysis and ratios. This helps Bankers and Financial Analysts to ascertain the financial health of a business. All Bankers request all loan applicants to prepare and present a realistic CMA report to understand the flow and application of funds in a business. Since CMA report is prepared based on various assumptions, it is very imperative that the assumptions used are realistic and viable.
CMA Report is essentially an assessment of Working Capital Needs of a business. Bankers take into account various factors while funding the working capital needs. There are certain industry standard Ratios which need to be in place for a bank to be comfortable to grant working capital (Cash Credit) against Stock and / or Debtors balance.
In case you need to present this to investors, you may get business plan prepared by us as well. Finance experts team at ThinkBiz Filings will undertake preparation of your CMA report considering all RBI/Banking norms and normal Industry Standards. This will ensure that your business gets required working capital funds at the right time and without much hassles.
ThinkBiz Filings is an eminent business platform and a progressive concept, which helps end-to-end incorporation, compliance, advisory, and management consultancy services to clients in India and abroad. Get in touch with ThinkBiz Filings experts to Know how to prepare / create CMA data report online & avail free consultation on Company Registration, LLP Registration, OPC Registration, Annual Filings, GST Filings , GST return and Accounting & Audit Services.
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ESSENTIAL
- Preparation of CMA Report for working capital limit upto INR 20 Lakh
- Two responses to bank queries
ENHANCED
- Preparation of CMA Report for working capital limit upto INR 200 Lakh
- Upto Three responses to bank queries
ULTIMATE
- Preparation of CMA Report for working capital limit upto INR 300 Lakh
- Upto Four responses to bank queries
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- A Credit Monitoring Arrangement (CMA) Report is a financial analysis report prepared for banks and financial institutions to evaluate the creditworthiness of a business before granting loans.
- Any business or entity applying for a bank loan, working capital loan, or project financing needs a CMA report.
- It helps banks and lenders assess: The financial health and stability of the business. The ability to repay loans based on projected cash flows. The overall business feasibility and risk assessment.
- A CMA report is typically prepared by chartered accountants, financial consultants, or business advisors with expertise in financial forecasting and loan applications.
- A standard CMA Report includes: Balance Sheet Analysis (Past & Future Projections) Profit & Loss Statement Cash Flow Statements Fund Flow Statements Working Capital Analysis Loan Repayment Schedule Key Financial Ratios (Debt-Equity, DSCR, etc.)
- A financial statement shows past performance, whereas a CMA Report includes future projections and loan repayment capacity.
- Depending on the complexity, it usually takes 3-7 days to prepare a well-documented CMA Report.
- Last 3-5 years' audited financial statements Projected financials for the next 3-5 years Details of existing loans and liabilities Business plan and loan proposal Bank statements (if required)
- Some key ratios considered by banks include: Debt Service Coverage Ratio (DSCR) Current Ratio Debt-Equity Ratio Working Capital Turnover Ratio
- Yes, a well-prepared CMA Report increases loan approval chances by demonstrating a business’s repayment capability and financial viability.
- Don’t worry!! Our expert will help you to choose the best suitable plan for you. Get in touch with our team to get all your queries resolved. Write to us at info@thinkbizfiling.com or call us @+91 970 456 1215
