Banks require Credit Monitoring Arrangement (CMA) data to assess working capital limits and term loans. A CMA report presents past and projected financial statements, fund flow, ratio analysis and the assessment of working capital requirements in the format banks use.
Techmin Wealth Partners prepares accurate, bank-ready CMA reports and supports you through the end-to-end process until your loan is sanctioned.
Who needs CMA Report?
- Businesses applying for cash credit or overdraft limits
- Enterprises seeking term loans for expansion or machinery
- Borrowers renewing or enhancing existing bank limits
Benefits
- Projections that are realistic and consistent with your past performance
- Key ratios such as current ratio, DSCR and TOL/TNW computed correctly
- Fewer queries and faster processing at the bank
- Support during discussions with the bank until sanction
Documents usually required
- Audited financial statements for the last two to three years
- Provisional financials for the current year
- GST returns and bank statements
- Details of existing loans and sanction letters
- Details of proposed loan and its purpose
The exact list depends on your business type and location. We share a precise checklist after a short discussion.
How Techmin Wealth Partners helps
- Understand your loan requirement and the bank's format.
- Analyse past financials and build realistic projections.
- Prepare the CMA data with ratio analysis and working capital assessment.
- Review with you and submit to the bank.
- Respond to bank queries and support you until sanction.
Frequently asked questions
How many years of projections are included?
Usually the current year and the next one to five years, depending on the loan tenure and the bank's requirement.
How do I get started?
Use the enquiry form on this page, call or WhatsApp us on +91 77361 86827, or e-mail info@techmincsc.in. We will confirm your requirement, the documents needed and our fees before starting.
Information on this page is general in nature and based on the law and procedures applicable at the time of writing. Requirements may change; we confirm the current position before acting on your matter.