CMA Report (Credit Monitoring Arrangement)

Overview

A CMA Report is a structured financial document required by banks to evaluate a borrower’s creditworthiness, especially for term loans and working capital facilities.

It provides a detailed view of past performance and future projections, aiding informed lending decisions.

We assist in end-to-end CMA data preparation, financial ratio analysis, MPBF calculation, and submission to banks.

Eligibility Criteria

When Required

  • Term Loan or Working Capital applications (usually > ₹2 Cr)
  • Loan restructuring or enhancement
  • Startup or MSME fundraise with financial backing

Documents Required

1.Company Registration and KYC
2.Past 3 years Audited Financials
3.Income Tax Returns
4.Bank Statements (6 months)
5.Details of Existing Loans
6.Projected Financials for 3–5 years

Our Process

1

Data Collection

Gathering ITRs, audited reports, bank statements, and proposed loan details

2 days
2

Financial Analysis & Projections

Analyzing past trends and forecasting future performance

2-3 days
3

CMA Structuring & Submission

Finalizing bank-compliant CMA formats and submitting to lender

1-2 days

Frequently Asked Questions

MPBF helps banks determine the maximum working capital funding eligible for the borrower as per RBI norms.