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
Step-by-Step Process
1
Data Collection
Gathering ITRs, audited reports, bank statements, and proposed loan details
Estimated Time: 2 days2
Financial Analysis & Projections
Analyzing past trends and forecasting future performance
Estimated Time: 2-3 days3
CMA Structuring & Submission
Finalizing bank-compliant CMA formats and submitting to lender
Estimated Time: 1-2 days