Prepare a CMA report that supports your working capital request
CMA data prepared in the bank's format for working capital limits, renewals and enhancements.
- Businesses applying for new cash credit or overdraft limits
- Borrowers renewing or enhancing existing working capital limits
- MSMEs applying for combined term and working capital loans
- Businesses asked by their bank for CMA data
Overview
What is CMA Report (Credit Monitoring Arrangement)?
A Credit Monitoring Arrangement (CMA) report presents a business's past and projected financials in a standard format that banks use to assess working capital loans such as cash credit and overdraft limits. It typically covers past years' actuals, the current year's estimate and projections for coming years.
The report includes an operating statement, analysis of the balance sheet, current assets and liabilities, calculation of the maximum permissible bank finance, fund flow and key ratios. We prepare it in line with your bank's expectations and make sure it ties back to your audited accounts.
Who is this for?
- Businesses applying for new cash credit or overdraft limits
- Borrowers renewing or enhancing existing working capital limits
- MSMEs applying for combined term and working capital loans
- Businesses asked by their bank for CMA data
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Benefits
Why get CMA Report done right
Bank-ready format
Prepared in the standard formats banks commonly use for credit assessment.
Consistent with accounts
Historical figures are tied to your audited financial statements.
Sensible projections
Growth and working capital assumptions are discussed and justified.
Ratio analysis
Current ratio, TOL/TNW, DSCR and other ratios are computed and checked.
Faster processing
Complete, clear data can reduce back-and-forth with the bank.
Documents required
Keep these handy
Exact requirements vary case to case. Your expert shares a personalised checklist on your first call and checks everything before filing.
Process
How we get it done
A clear, step-by-step process with updates at every stage. Indicative timeline: 3–5 working days after receiving complete data, subject to processing by the authority.
Understand the requirement
We check the loan type, amount and any format specified by your bank.
Collect financials
You share past accounts, current year figures and loan details.
Build the CMA
We prepare the statements, MPBF calculation, fund flow and ratios.
Review with you
We explain the key numbers and adjust assumptions where needed.
Deliver
You receive the CMA report ready for submission, with support for bank queries.
FAQ
CMA Report (Credit Monitoring Arrangement): common questions
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