CMA (Credit Monitoring Arrangements) reports are required by banks for business loans and CC limits. GetMyCA’s expert CAs assess your business profile, financial data, and loan terms then prepare and submit a professionally structured CMA report that maximises your chances of funding approval.
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CMA stands for Credit Monitoring Arrangements. Banks require a specific format called the CMA Report or CMA Data, which compiles the past and projected financial performance of a business. It includes all required financial ratios and metrics to help financial analysts and bankers assess the financial health of a business.
Most bankers require a business loan applicant to prepare a CMA report to understand the flow and application of funds. A professionally prepared CMA report can significantly improve the chances of obtaining a bank loan or CC limit.
CMA data is compiled with audited P&L Account and Balance Sheet for the last 3 years (minimum 2 years), estimates for the current year, and projections for the next 3 to 5 years (as required by the bank). This is provided to the bank along with a Funds Flow Statement, Ratio Analysis, Comparative Statement of Current Assets & Current Liabilities, and Statement of Maximum Permissible Bank Finance (MPBF).
The exact number of years for which data is required may vary from bank to bank and the nature of the loan. The CMA report gives bankers a complete picture of your business’s financial health past performance, current position, and future projections all in one structured format.
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The ratio analysis statement provides key financial ratios used by Financial Analysts and Bankers. Key ratios covered include: GP Ratio, Net Profit Ratio, Current Ratio, Quick Ratio, Stock Turnover Ratio, Net Worth, Net Worth to Liabilities Ratio, DP Limit, MPBF, Asset Turnover, Current Asset Turnover, Working Capital Turnover, Fixed Asset Turnover, and Debt-Equity Ratio.
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