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Unlock business growth with bank loans. Streamline your CMA data preparation online. Starts at INR 9999/-

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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.

Taxpertconsultants.com: Your One-Stop Business Solution

Taxpertconsultants.com is a leading business platform offering a comprehensive suite of services, including company incorporation, compliance management, advisory services, and management consulting – all in one place. Get in touch with our experts to learn how to prepare your CMA report online and access free consultations on various services like company registration, GST filing, and accounting services.

Choose your package

Transparent Pricing | Confidentiality Assured | Efficient delivery

Basic

INR 9999
  • Preparation of CMA Report for working capital limit upto INR 30 Lakh
  • Three responses to bank queries

Standard

INR 14999
  • Preparation of CMA Report for working capital limit upto INR 250 Lakh
  • Four responses to bank queries

Enhanced

INR 24999
  • 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 
As the name implies, these loans are supplied to the borrowers for a defined repayment plan and have a set amount. Such loans may have fixed or adjustable interest rates.

 

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

FAQs

Do you facilitate the approval of business loans?

Our service assists you comprehensively in preparing a complete CMA (Credit Monitoring Arrangement) data online, following the bank's loan format, and includes a covering letter for submission to the bank. However, loan approval is subject to the discretion of the bankers and their respective criteria.

How can I proceed if I need to finance machinery?

We offer assistance in preparing a business plan tailored to your needs. Machinery loans typically involve a term loan structure with repayment over a period of 7-10 years.

Is my financial information secure?

Absolutely. Our professional team of MBAs and CAs ensures the utmost security and confidentiality of your data while preparing your CMA.

What is meant by working capital?

Working capital refers to the capital required to sustain day-to-day business operations.

Can you guarantee approval for a CC (Cash Credit) facility?

Our team, consisting of knowledgeable MBAs and CAs, is well-versed in RBI regulations and bank-specific criteria. However, approval depends on several factors such as your CIBIL score, repayment capacity, and business prospects.

Still have questions?

No need to worry! Our experts are here to assist you in selecting the most suitable plan for your needs. Contact our team for resolution of all your queries. Reach out to us via email at  info@taxpertconsultants.com or call us at +91 700885342
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