Get professional CMA reports for consultants with fast bank approval. We prepare accurate CMA data, projected financials, and ratio analysis as per SBI, PSU, and private bank norms for working capital and loan proposals across India.
CMA DATA
CMA Report for Consultants—Bank Loan Approval
Accurate • Bank-Compliant • CA-Verified • Delivered in 24 Hours
A CMA Report (Credit Monitoring Arrangement) is a crucial financial document that banks use to evaluate a borrower’s overall financial strength, repayment capability, and creditworthiness. It presents a comprehensive analysis of a business by combining historical financial performance with future projections. The report includes past financial statements, projected balance sheets and profit & loss accounts, working capital assessment, fund flow analysis, key financial ratios, and justification of loan requirements. Startups, MSMEs, manufacturers, traders, and service providers are required to submit CMA data for the approval or renewal of working capital limits, term loans, overdraft (OD), cash credit (CC) facilities, and other bank finance.
Services
Why Do You Need a CMA Report Consultant?
Get accurate, ready-to-approve project reports tailored to your business needs.
Preparing a CMA report requires professional financial expertise. Many borrowers prepare incorrect CMA data, leading to loan rejection, delays, or repeated banker queries. This is where a CMA Report Consultant becomes essential.
A consultant ensures:
- Accurate past financial restructuring
- Realistic projections for 3 to 5 years
- Proper working capital assessment
- Correct DSCR and ratio analysis
- Clear justification for loan requirement
- Alignment with RBI & bank formats
A professional CMA report builds banker confidence and improves the borrower’s loan profile.
Prepare
CMA Report Structure — What Consultants Prepare
A complete CMA report includes the following financial statements and analysis:
1. Existing & Proposed Fund Limits
Shows current bank limits and the additional loan requirement.
2. Operating Statement
Detailed summary of sales, expenses, taxes, and net profit.
3. Performance Statement (Past & Future)
Year-wise comparison of past financials and projected performance.
4. Balance Sheet (Past & Projected)
Assets, liabilities, capital structure, and financial position.
5. Cash Flow & Fund Flow Statement
Shows liquidity, cash availability, and working capital movements.
6. Ratio Analysis
Analyzes financial ratios like liquidity, profitability, leverage, efficiency, and solvency to assess a client’s bank loan eligibility effectively.
7. Maximum Permissible Bank Finance (MPBF)
Maximum Permissible Bank Finance (MPBF): Shows working capital eligibility based on turnover method, drawing power, and operating cycle; CMA consultants compute MPBF accurately as per RBI norms
Benefits
Benefits of Hiring a CMA Report Consultant
Businesses often make mistakes like unrealistic projections, incorrect formats, miscalculations, or missing documents. A CMA consultant prevents these issues.
Businesses often make mistakes like unrealistic projections, incorrect formats, miscalculations, or missing documents. A CMA consultant prevents these issues.
1. Higher Loan Approval Chances
Well-structured CMA data shows the business is stable and loanworthy.
2. Faster Processing of Loan Applications
Clean data reduces banker queries and paperwork delays.
3. Accurate Financial Projections
Consultants prepare realistic 3–5 year projections based on:
- Market conditions
- Industry benchmarks
- Business capacity
4. Better Working Capital Assessment
Helps justify CC limit, OD limit, or WC requirement professionally.
5. Builds Strong Credibility with the Bank
A professional CMA report demonstrates discipline and financial planning
- Market conditions
- Applying for more than ₹10 lakh working capital
- Renewing a CC/OD limit
- Seeking enhancement of loan limits
- Starting a new business requiring capital
- Expanding manufacturing capacity
- Requesting project finance
- Managing cash flow issues
CMA is especially important for:
- Manufacturing businesses
- Traders and wholesalers
- Retail outlets
- Service providers
- Construction companies
- Transport businesses
- Startups looking for funding
- Past 2–3 years ITR (if applicable)
- GST returns
- Balance Sheet & P&L
- Bank statements (6–12 months)
- Debtors & creditors list
- Stock statements
- Loan sanction letters (existing loans)
- Business details & loan requirements
Startups can still get CMA reports with projected financials.
Discuss Your CMA Data Preparation Needs
CMA Project Report
₹1,
0
(₹ 2,999)
- CA-Assisted Report
- RBI-Compliant Format
- Unlimited Genuine Edits
- Up to 12 Years of Financial Projections
Professional Project Report
₹2,
0
(₹ 4,999)
- CA-Assisted Report
- RBI-Compliant Format
- Unlimited Genuine Edits
- Up to 12 Years of Financial Projections
Our CMA reporting services include detailed 5-year financial projections, precise DSCR calculations, and a realistic profitability assessment aligned with your business model. The reports are prepared in bank-specific formats accepted by leading banks such as SBI, HDFC, ICICI, and others, ensuring smooth approval and faster processing. With a quick turnaround time—typically within 24 to 48 hours, we offer cost-effective pricing without compromising on accuracy or quality. Each report is supported by personalized financial planning, tailored to meet the specific funding requirements of the business, a standard approach followed by professional consultants, including Finaxis.
Process
Process of Getting a CMA Report
A simple, fast and expert-assisted process designed to help you secure business loans without delays.
Step 1 – Share Business Details
Sales, expenses, loan requirements, and basic documents.
Step 2 – Consultant Prepares Draft CMA Data
Corrections, justification notes, and bank-specific formatting.
Read MoreNov 09, 2017Step 3 – Review & Finalization
Corrections, justification notes, and bank-specific formatting.
Growth
Real results, proven growth!
A simple, fast and expert-assisted process designed to help you secure business loans without delays.
A CMA (Credit Monitoring Arrangement) Report is a standardized financial statement prepared for banks to evaluate loan eligibility.
Consultants need it to present client financials in a bank-approved format, improving loan approval chances.
Yes, consultants can outsource CMA report preparation to professionals.
Outsourcing helps:
- save time
- ensure accuracy and compliance
- improve bank acceptance rate
Finaxis provides CMA Reports specifically for consultants handling client loans
Yes, professionally prepared CMA reports are accepted by public and private banks, NBFCs, and government-linked funding agencies.
Reports follow RBI & banking guidelines, ensuring smooth approval.
Typically, it takes 2–4 working days, depending on the client’s financial complexity and loan type.
Consultants are provided a clear delivery timeline in advance.
Consultants need to provide:
- Client financial statements (Profit & Loss, Balance Sheet)
- Loan amount & purpose
- Past bank statements (if applicable)
- Business projections & industry details
Finaxis ensures data confidentiality at all times.
Yes. CMA reports are editable and customizable, allowing consultants to:
- present client-specific data
- brand the report under their consultancy
- reuse the format for multiple clients
- present client-specific data
A professionally prepared CMA report helps consultants:
- increase loan approval probability
- avoid bank queries or objections
- save time by outsourcing preparation
- enhance professional credibility with clients
