Loan & CMA Report (Without CA Certification)

What a CMA report is

A CMA (Credit Monitoring Arrangement) report is the standardised financial data package that banks and NBFCs require when you apply for a working-capital limit or a term loan. It presents your past performance and projected financials in the exact format lenders use to assess creditworthiness — typically covering two years of audited actuals plus projections for the loan period, along with ratio analysis and a funds-flow statement.

A well-built CMA does more than tick a box. It tells a coherent story: that your projections are realistic, your fund requirement is justified, and your business can service the loan. A weak or inconsistent CMA is one of the most common reasons applications get delayed, queried or sanctioned at a lower amount.

What a CMA report contains

• Particulars of existing and proposed banking limits.
• Operating statement — projected sales, costs and profitability.
• Analysis of the balance sheet for past and projected years.
• Comparative statement of current assets and liabilities (the basis for working-capital limits).
• Maximum Permissible Bank Finance (MPBF) computation.
• Funds-flow statement and key ratios — current ratio, DSCR, leverage and turnover.

Who needs a CMA report

• Businesses applying for a cash-credit or overdraft working-capital limit.
• MSMEs seeking a term loan for machinery, expansion or premises.
• Borrowers renewing or enhancing existing bank limits.
• Startups and growing firms preparing a bankable project report.

How we build your CMA

• We study your financials, the funding requirement and the lender’s norms.
• We prepare realistic, defensible projections aligned to your actual order book and capacity.
• We compute MPBF, DSCR and the ratios the credit team will scrutinise.
• We deliver a lender-ready CMA and support you through banker queries until sanction.

Documents required

• Audited financials / ITRs for the last 2–3 years.
• Provisional financials for the current year and GST returns.
• Existing loan sanction letters and bank statements.
• Details of the proposed limit, purpose and any collateral.

Why TCC for your CMA report

We have prepared bankable CMA reports and project reports for businesses across sectors. Our projections are realistic enough to clear credit scrutiny yet strong enough to justify the limit you need — and we stay with you through the banker’s questions. Fixed fee, fast turnaround, WhatsApp-first.