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.

Purminder Kaur & Associates 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. Purminder Kaur & Associates can help you prepare a CMA report for your business. Get a free consultation for CMA report preparation and bank loan syndication through Purminder Kaur & Associates by scheduling an appointment with an Purminder Kaur & Associates Advisor.

Different Types of Bank Loan Facilities

Term Loan

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

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.

Bank Guarantee

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.

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.

Mortgage Loan

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.

How we help with CMA report preparation

Engagement Advisory

A Business Expert will review the business profile, financial information and loan documentation to understand the background of the business.

A Draft Report

Based on the information gathered, the draft CMA report is prepared.

Final Report

Post the preparation of draft report and discussion with client, final CMA report is prepared, verified and submitted.