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ABOUT CMA REPORT
Understanding Your Business Health: The CMA Report
A CMA Report, short for Credit Monitoring Arrangement report, is a financial health check-up for your business. It combines your past, present, and projected financial figures in a standardized format (set by the RBI) along with key financial ratios and analysis. This allows banks and financial analysts to get a clear picture of your business’s financial well-being.
Why is a CMA Report Important?
Banks require all loan applicants to submit a CMA report. It helps them understand how you manage your funds and project future needs. For the report to be effective, the underlying assumptions used need to be realistic and achievable.
The Working Capital Connection
A CMA report essentially assesses your working capital needs – the funds required for day-to-day operations. Banks consider various factors, including industry-standard ratios, when deciding how much working capital (cash credit) to grant against your inventory or debtors.
Beyond Banks: Securing Investment
If you’re seeking investment alongside a loan, we can also create a comprehensive business plan for you.
Our CMA Report Services
Our team of finance experts can prepare your CMA report following all RBI/Banking norms and relevant industry standards. This ensures your business gets the working capital it needs at the right time and with minimal hassle.
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Basic
- Preparation of CMA Report for working capital limit upto INR 30 Lakh
- Three responses to bank queries
Standard
- Preparation of CMA Report for working capital limit upto INR 250 Lakh
- Four responses to bank queries
Enhanced
- Preparation of CMA Report for working capital limit upto INR 600 Lakh
- Upto Five responses to bank queries
What is CMA Report?
CMA stands for Credit Monitoring Arrangement report, which is a formatted document that includes all the necessary financial measures and ratios to help bankers and financial analysts determine a company’s financial health. To understand the flow and use of funds in a business, most bankers ask a business loan applicant to prepare a CMA report. The likelihood of getting a bank loan can be increased by a CMA report that has been expertly created.
After thorough examination of historical performance, banks are entitled under the Credit Monitoring Arrangement (CMA) to sanction credit proposals (of major borrowers). The Reserve Bank of India must receive substantial credit proposals for the post-sanction review.
Types of loan requiring Credit Monitoring Arrangement (CMA) report preparation
Term Loan
These loans are a great option for small firms that have a stable cash flow. These loans can be used by businesses to finance the purchase of equipment or the construction of infrastructure.
Mortgage Loan
Mortgage loans are those that are obtained against already-existing commercial real estate. As a guarantee for the money borrowed from the financial institution, the business properties are pledged in order to raise money for the enterprise.
Project Loan
Project loans or project finance are long-term loans or forms of financing with little to no recourse. These project loans or project financing are typically provided secondly on rights, assets, and interest, with the project’s repayments serving as the primary security.
A thorough CMA (Credit Monitoring Arrangement) must be submitted in order to apply for this type of loan with any financial institution.
These loans can be used for long-term infrastructure development, public service initiatives, and industrial enterprises.
Working Capital Loan for Business
Businesses manage their daily expenses with the funds from working capital loans. These loans are made available to meet short-term business needs. The Credit Monitoring Arrangement (CMA) is required for working capital loans for businesses as well.
Documents required for CMA Report Preparation
Last two years’ audited financial statements newest sanction letter (in case of renewal)
Current-year Provisional Financial Information
Schedule for Repayment of Term Loans ( if any)
Specifications of any proposed improvements, together with their terms and conditions