CMA Data Preparation
Accurate, consistent CMA data prepared the way bank credit appraisal expects it.
Credit Monitoring Arrangement data preparation conforming to RBI and commercial bank credit standards.
- Companies applying for fresh bank facilities
- Businesses facing annual renewal of working capital limits
Common challenges
- Inconsistent numbers between balance sheet, profit & loss, and CMA projection schedules.
- Unrealistic growth assumptions that cause credit risk managers to downgrade proposals.
- Errors in Current Ratio, TOL/TNW, and DSCR computations.
How we help
- Preparation of standard 7-8 schedules of CMA data conforming to IBA guidelines.
- Stress-testing financial ratios to meet specific bank threshold criteria.
- Providing explanatory notes on variances to satisfy credit committee queries.
Our process
- 1
Data Ingestion
Extract past 3 years audited financials and provisional numbers.
- 2
Projection Modeling
Build realistic forward estimates based on order book and industry trends.
- 3
Ratio Benchmarking
Verify Current Ratio, TOL/ATNW, DSCR, and ISCR parameters.
Documents usually required
0 of 3 readyTick what you already have. Lenders may ask for more depending on your case.
Frequently asked questions
Why do banks reject CMA data prepared by local accountants?
Common causes include unrealistic revenue spikes, failing minimum current ratio thresholds (e.g. 1.33:1), and lack of justification for working capital cycle assumptions.
We do not guarantee loan sanctions or subsidy approvals. Lending and subsidy decisions are made by banks, NBFCs and government departments after their own appraisal.