CMA report also known as Credit Monitoring Arrangement report is the report showing the projected performance and the past performance of a business in financial terms. The purpose of Credit monitoring Arrangement (CMA) report is to monitor the credit quality of a Bank and its respective borrowers. The CMA report reflects the past and projected financial performance of any borrower business entity.
Identity proof (pan card, passport, aadhaar card ,driving licence,a voter card)
• Latest SanPction letter (in case of renewal)
• Provisional Financial for the current year
• Term Loan Repayment Schedule (if any)
• Details of proposed enhancement (if any) along with the terms and conditions.
• revious 2 years Audited Financials
• Copy of GST Returns (if applicable)
It will show both Fund and Non-Fund based limits of the borrower and usage limit or current balance.
Banks check the performance of the company. It is also helpful to know earning cycle for paying the expenses.
Banks check the flow of funds. Is company wasting their fund or applying fund for growing? Is the short-term funds used for long term purpose? etc.
This is the amount the company is looking out to borrow from the bank. Banks use a set of formula to calculate this.
Banks will understand the position of company more clearly. Every Bank has its own set of benchmark ratios. The basic key ratios are GP (Gross profit) ratio, Net profit ratio, Current ratio, Quick ratio, Stock turnover ratio, Debt-Equity ratio etc.
This helps banks to understand the changes in current assets and current liabilities. It will also be helpful to know short term solvency of company. If it has enough money to pay current liabilities, it cannot misuse its long-term resources.
Sign up for our service in order to obtain a CMA report for yourself.
Our financial experts shall review your business profile, financial information and loan documentation to better understand your needs.
Based on the information gathered through our consultations, a draft CMA report is built for your enterprise.
After a final consultation, the final CMA report is built, shall be verified by us and submitted to the loan.