What's included
- CMA data
- Financial projections
- Bank liaison
Who needs it
- Businesses applying for term loans or working capital limits
- MSMEs applying under MUDRA, CGTMSE or state subsidy schemes
- Startups preparing projections for investors
- Businesses renewing or enhancing existing limits
Documents required
- Last two or three years' financial statements, for existing businesses
- Project cost and means of finance
- Quotations for machinery or assets
- Expected sales, costs and staffing
How it works
- Understand the proposalLoan type, amount and the bank's requirements.
- Build the modelProjections, debt service coverage, break-even and ratios.
- Prepare the reportProject report and CMA data in the bank's format.
- SupportAnswer bank queries and revise if needed.
Timeline: Usually 5–7 working days.
Frequently asked questions
What is CMA data?
Credit Monitoring Arrangement data is a set of statements banks use to assess loans: past and projected financials, fund flows and ratios.
Do banks accept project reports prepared by consultants?
Yes. Banks expect a well-prepared report; the decision depends on the viability of the business, security and credit history.
Can you help with subsidy applications?
Yes. We prepare the financials and project reports required for many central and state schemes.