CMA stands for Credit Monitoring Arrangement report wherein the past and projected financial performance of a business is compiled in a certain format with all the required financial metrics and ratios to help Bankers and Financial Analysts ascertain the financial health of a business. Most Bankers request a business loan applicant to prepare CMA report to understand the flow and application of funds in a business. A professionally prepared CMA report can improve the chances of obtaining bank loan.
Monitrix is the largest business services platform in India, offering a variety of services like CMA report preparation, company incorporation, trademark registration, GST registration, income tax filing and more. Monitrix can help you prepare a CMA report for your business. Get a free consultation for CMA report preparation and bank loan syndication through Monitrix by scheduling an appointment with an Monitrix Advisor.
DIFFERENT TYPES OF BANK LOAN FACILITIES
Term loan is sanctioned by Banks for purchase of fixed assets like land, building, equipment and other types of assets. Repayment is fixed over a period of 5 years with EMI payments or bullet payments.
Working capital loan is sanctioned by Banks for working capital purposes like holding of inventory, receivables and build-up of other current assets in a business. Working capital facilities are renewable every year.
Letter of Credit
Letter of credit is a type of facility from a Bank guaranteeing a buyer's payment to a seller, in the event that the buyer is unable to make payment on the purchase as per terms of the transaction.
Bank guarantee is a promise from a bank that the liabilities of a party will be met by the Bank in the event that the party fails to fulfill contractual obligations. Bank guarantees are typically requested while executing large projects.
Mortgage loans are loans that are backed by real property by putting a lien on the property being mortgaged. The funds generated from a mortgage loan can be used by the business for any purpose.
STEPS INVOLVED IN CMA REPORT PREPARATION
1. Engagement Advisory
A Business Expert will review the business profile, financial information and loan documentation to understand the background of the business.
2. ADraft Report
Based on the information gathered, the draft CMA report is prepared.
3. Final Report
Post the preparation of draft report and discussion with client, final CMA report is prepared, verified and submitted.
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