When you apply for a working capital limit, cash credit or term loan, banks ask for CMA (Credit Monitoring Arrangement) data — a structured presentation of your past financial performance, current position and future projections. Poorly prepared CMA data delays sanction or leads to rejection.
Our team prepares complete CMA data in the standard format prescribed by RBI and banks — covering operating statement, balance sheet analysis, fund flow, ratio analysis and MPBF (Maximum Permissible Bank Finance) computation where applicable.
Who Needs CMA Data?
- Businesses applying for CC/OD limits
- Units seeking enhanced working capital
- Manufacturers and traders with bank borrowings
- MSMEs renewing or upgrading limits
- Companies submitting annual CMA to existing bankers
Why Choose Advika Enterprises for CMA Data
- Standard bank-approved CMA format
- Past 2–3 years and projected 2–3 years financials
- Key ratio analysis — liquidity, profitability, leverage
- MPBF computation for working capital assessment
- Aligned with your project report and loan proposal
Documents Required
- Audited/provisional financial statements (2–3 years)
- ITR and computation of income
- Existing loan details and repayment schedule
- Stock and debtor/creditor ageing (if available)
- Projected turnover and expense estimates
📱 Just send photos of your documents on WhatsApp — our team verifies everything before filing.
How It Works — Our Simple Process
-
1
Collect Financials
You share past accounts, ITR and current year estimates.
-
2
Prepare CMA Sheets
Operating statement, balance sheet and ratio analysis compiled.
-
3
Review & Finalise
Draft reviewed with you; adjustments made for bank presentation.
-
4
Deliver for Submission
Excel/PDF CMA data ready to submit with your loan application.
Ready to get started with CMA Data?
Free consultation • Transparent pricing • Expert handled
Frequently Asked Questions — CMA Data
What is CMA data?
CMA (Credit Monitoring Arrangement) is a standard financial presentation banks use to assess your borrowing capacity, repayment ability and credit risk.
Is CMA required for all loans?
It is commonly required for working capital limits, CC/OD enhancements and many term loan applications — especially above certain thresholds.
Can CMA be prepared without audited accounts?
Provisional figures can be used for new units or current-year projections, but banks prefer audited past financials where available.
Do you also help with the loan application?
Yes — we can prepare CMA data alongside your project report and guide you on bank documentation.