CMA Report Preparation

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CMA Report Preparation

CMA Report Preparation:

CMA Report stands for Credit Monitoring Arrangement report. In this, past, present and projected figures are put in a defined format (prescribed by RBI) with all the required financial analysis and ratios. This helps Bankers and Financial Analysts to ascertain the financial health of a business. All Bankers request all loan applicants to prepare and present a realistic CMA report to understand the flow and application of funds in a business. Since CMA report is prepared based on various assumptions, it is very imperative that the assumptions used are realistic and viable.

CMA Report is essentially an assessment of Working Capital Needs of a business. Bankers take into account various factors while funding the working capital needs. There are certain industry standard Ratios which need to be in place for a bank to be comfortable to grant working capital (Cash Credit) against Stock and / or Debtors balance.

In case you need to present this to investors, you may get business plan prepared by us as well. Finance experts’ team at hngebiz.com will undertake preparation of your CMA report considering all RBI/Banking norms and normal Industry Standards. This will ensure that your business gets required working capital funds at the right time and without much hassles.

Hngebiz.com is an eminent business platform and a progressive concept, which helps end-to-end incorporation, compliance, advisory, and management consultancy services to clients in India and abroad. Get in touch with H & G Ebiz experts to Know how to prepare / create CMA data report online & avail free consultation on Company Registration, LLP Registration, OPC Registration, Annual Filings, GST Filings, GST return and Accounting & Audit Services.

Why does the bank require CMA report?

We all know that banks are required to follow RBI guidelines to run finance businesses. RBI suggests not to only rely on CMA data for granting loans. Still, almost all banks are asking for CMA data. Even for small loans like 4 lakhs to 6 Lakhs submitting CMA report is required. The reason is that by analyzing it, banks can understand the flow of funds ( Past and proposed) of borrowers and the viability of projects.

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

Document Checklist

For CMA Report Preparation, various documents are Required which is as follows:

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

CMA Report preparation Fees

Standard

5,999/-

Preparation of CMA Report for working capital limit up to INR 25 Lakh

Up to Two responses to bank queries

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regular

9,999/-

Preparation of CMA Report for working capital limit up to INR 200 Lakh

Up to Three responses to bank queries

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advance

14,999/-

Preparation of CMA Report for working capital limit up to INR 500 Lakh

Up to Four responses to bank queries

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Statements Covered under CMA Report Preparation

Particulars of proposed limits and current limit

Operating Statement

Analysis of Balance Sheet

Comparison of the movement of current assets and liabilities

MPBF (Maximum Permissible Bank Finance)

Fund Flow Statement

Ratio Analysis

This is the final statement of the Credit Monitoring Arrangement report (CMA report), which offers important financial ratios for bankers and financial analysts. The fundamental key ratios include the GP (Gross Profit) ratio, the Fixed Asset Turnover, the Current Ratio, the Quick Ratio, the Net Profit ratio, the Stock Turnover Ratio, the Net Worth Ratio, the Net Worth to Liabilities Ratio, the MPBF, the Asset Turnover, the Current Asset Turnover, the Working Capital Turnover, the Debt-Equity Ratio, and others.

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