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 means Credit Monitoring Arrangements. Banks provide a specific format called CMA Report or CMA Data wherein the past and projected financial performance of a business is compiled. It includes all required financial ratios and metrics to help Financial Analysts and Bankers ascertain the financial health of a business.
Most bankers request 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.
CMA data is compiled with audited P&L Account and Balance Sheet of at least the last 1 year, estimates of the current year, and projections of at least the next 2 years. This is provided to the bank along with Funds Flow Statement, Ratio Analysis, Comparative Statement of Current Assets & Current Liabilities, and Statement of Maximum Permissible Bank Finance (MPBF).
The number of years for which data is required may vary from bank to bank. 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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