What Is a CMA Report?

Firstly, a CMA report is a detailed financial analysis prepared by a Certified CA to help banks assess your creditworthiness. Moreover, it covers historical financial performance, projected cash flows, working capital needs, and debt-servicing capacity. Consequently, banks rely on it to decide loan sanction, terms, and monitoring parameters.

Furthermore, a well-crafted CMA aligns your business plan with lender requirements and minimizes queries during appraisal. Therefore, obtaining accurate projections becomes crucial for timely funding.

When You Need a CMA Report

Therefore, you require a CMA report if you are:

• Seeking Working Capital Finance: To determine your operating cycle and fund requirements.
• Applying for Term Loans: For machinery purchase, expansion, or long-term projects.
• Restructuring Existing Debt: To negotiate better interest rates or repayment schedules.
• Preparing for Consortium Lending: When multiple banks participate in your credit.

Meanwhile, even renewal of existing limits often mandates an updated CMA report. Consequently, maintaining compliance ensures uninterrupted credit access.

Our CMA Report Preparation Procedure

1. Initial Assessment:
   Firstly, we review your past 3–5 years of audited financial statements, turnover, and existing credit facilities. Then, we understand your funding objectives.
2. Data Gathering:
   Next, we collect detailed schedules—sales, purchases, debtors, creditors, inventory, and CapEx plans. Moreover, we gather management projections and market data.
3. Financial Projection & Working Capital Calculations:
   Afterwards, we project P&L, cash flows, and balance sheet for 2–3 years. Consequently, we compute working capital cycle, fund gap, and debt service coverage ratio.
4. Report Drafting:
   Then, we draft the CMA in the banker’s prescribed format—comprising Part I (background), Part II (historical), Part III (projections), and Part IV (commentary).
5. Review & Finalization:
   Meanwhile, we review the draft with you, refine assumptions, and finalize the report. Finally, we deliver a certified PDF and editable file ready for bank submission.

Timeline & Documents Required

Estimated Timeline

• Initial consultation & data collection: 2–3 days.
• Projection & working capital analysis: 3–5 days.
• Draft review & finalization: 1–2 days.

Documents Required

• Audited financials for past 3–5 years.
• Management accounts or unaudited monthly P&L.
• Break-up of debtors, creditors, and inventory.
• Details of existing credit facilities and repayment schedules.
• CapEx plans, business plan, and market assumptions.
• Board resolution authorizing CA certification (if required).

Consequences of Non-Compliance

• Therefore, incomplete or inaccurate CMA reports lead to bank queries and processing delays.
• Moreover, banks may sanction lower credit limits or higher interest rates due to unclear projections.
• In addition, repeated inconsistencies can damage your banking relationship and credit rating.
• Consequently, your project or working capital needs may go unfunded, disrupting operations.

Why Choose Our CMA Services

• Furthermore, our Dombivali CAs possess deep experience in bank appraisal norms and lending guidelines.
• Moreover, we use proprietary models to ensure robust, realistic projections.
• Consequently, you receive banker-ready reports that minimize back-and-forth.
• In addition, we offer transparent, fixed-fee packages and on-time delivery.

Client Testimonial

[testimonials view_id=”1″ category=”Delhi” category=”CMA Report”]

CMA Report FAQs

Can I use projected figures for new ventures?

Therefore, we incorporate realistic market and operational assumptions to project for startups or new projects.

How often should the CMA be updated?

Moreover, banks typically require annual updates or whenever you seek revision of limits.

Do banks accept CMA from any CA?

In addition, banks prefer CMA reports certified by reputable CAs with bank experience—such as our team.

Who is the CMA Report Preparation Services in Delhi?

Consequently, choose a CA with proven banking expertise, local insights, and a client-centric approach for optimal credit outcomes.

Contact Us

Ready to secure your CMA report and lender approvals? Book your Appointment Now.