CMA Report

About CMA Report

CMA data is the standardised financial statement format banks use to appraise working capital and term loan proposals. It presents your past performance and future projections across seven prescribed forms. Getting the format or the ratios wrong is one of the most common reasons a loan file gets returned — we prepare it correctly the first time.

Key Benefits

• Prepared in the standard seven-form bank format
• Working capital requirement assessed and justified
• Maximum Permissible Bank Finance calculated correctly
• Ratio analysis presented the way credit officers expect
• Reduces back-and-forth and speeds up loan appraisal

Our Process

1. Collect audited financials for the last two to three years
2. Prepare the particulars of existing and proposed limits
3. Build the operating statement and analysis of balance sheet
4. Compute the working capital assessment and MPBF
5. Prepare the fund flow statement and ratio analysis
6. Deliver the complete CMA set ready for bank submission

Documents Required

• Audited financial statements for the last 2-3 years
• Provisional financials for the current year
• Details of existing bank limits and facilities
• GST returns and sales data
• Projected sales and purchase figures
• Details of the proposed loan or enhancement