CMA Data Preparation
Professional CMA Data preparation for bank loans, working capital facilities, business expansion, projected financial statements and credit appraisal. Present your business financial information in a structured format suitable for discussion with lenders.
What is CMA Data?
CMA Data generally refers to a structured financial statement and analysis package used in the assessment of a borrower's financial position, working-capital requirements and projected performance.
Why is CMA Data prepared?
Businesses seeking credit facilities may be asked by their lender to provide historical financial information, current position and projected financial data for credit appraisal.
- Working capital assessment
- Fund-based and non-fund-based credit discussion
- Financial performance analysis
- Projected turnover and profitability
- Repayment and funding assessment
Important Note
CMA Data is not itself a government registration or licence. The exact format, projections and financial information requested can vary by bank, lender, facility and borrower.
Final credit decisions remain with the respective bank or financial institution.
Key Areas Covered
Who May Need CMA Data?
CMA Data may be requested in different lending situations depending on the lender and facility.
Existing Businesses
Businesses seeking enhancement, renewal or restructuring of existing working-capital or credit facilities.
Business Expansion
Enterprises planning expansion, additional capacity, new branches, machinery or increased working-capital requirements.
New Borrowers
Businesses approaching banks or financial institutions for suitable credit facilities.
Working Capital
Businesses seeking assessment of working-capital requirements based on operating cycle and projected financial information.
Project Finance
Eligible business proposals may require projected financial statements and cash-flow information for lender appraisal.
Renewal / Enhancement
Existing borrowers may need updated financial information for renewal or proposed enhancement of credit limits.
What Does CMA Data Include?
The exact schedules can vary by lender, but a typical CMA package can cover the following financial areas.
Operating Statement
Historical and projected sales, expenses, operating profit and other key financial indicators.
Balance Sheet
Assets, liabilities, capital and other balance-sheet information for relevant periods.
Current Assets & Liabilities
Analysis of inventory, receivables, creditors, cash and other current items.
Working Capital
Assessment of operating-cycle requirements and proposed bank finance.
Cash Flow Analysis
Projected inflows, outflows and liquidity position where required.
Fund Flow Analysis
Analysis of movement and application of funds for relevant financial periods.
Ratio Analysis
Relevant liquidity, leverage, profitability, turnover and coverage indicators.
Projected Financials
Future turnover, profitability, assets, liabilities and other projections.
Historical & Projected Financial Information
CMA preparation generally brings historical information together with realistic projections for lender review.
| Financial Area | Historical | Current | Projected |
|---|---|---|---|
| Sales / Turnover | Actual | Current Estimate | Projected |
| Profitability | Actual | Current Estimate | Projected |
| Current Assets | Actual | Current Position | Projected |
| Current Liabilities | Actual | Current Position | Projected |
| Working Capital | Historical | Existing Requirement | Proposed Requirement |
| Cash Flow | Historical | Current | Projected |
Information Required for CMA Preparation
The exact information depends on the business, facility and lender requirements.
CMA Data Preparation Process
A structured process helps organise the financial information required for lender review.
Requirement
Understand loan type, amount, purpose and lender-specific requirements.
Data Collection
Collect financial statements, banking data, GST information and business details.
Analysis
Analyse historical performance, working capital, ratios and financial position.
Projection
Prepare realistic projected financial statements based on the information and assumptions provided.
Finalisation
Organise the CMA package for submission/discussion according to the applicable lender requirements.
Working Capital Assessment
Working-capital analysis considers the operating requirements of the business and the funding structure proposed to meet those requirements.
Inventory
Stock holding and inventory cycle can be considered when assessing operating working-capital requirements.
Receivables
Customer credit period and receivables can influence the amount of funds required for operations.
Payables
Supplier credit and current liabilities can form part of the working-capital analysis.
Operating Cycle
The time between purchase, production/sale and collection can affect working-capital needs.
Bank Finance
Proposed bank finance can be analysed against the overall working-capital requirement.
Financial Ratios
Relevant ratios may be reviewed to understand liquidity, leverage and operating performance.
Why Prepare CMA Data Professionally?
Structured Financial Presentation
Organises historical and projected financial information into a structured presentation.
Better Financial Visibility
Helps present turnover, profitability, assets, liabilities and working-capital information clearly.
Consistent Projections
Brings projected sales, expenses and financial statements into a connected framework.
Lender Discussion
Provides a structured financial basis for discussion with the bank or lending institution.
Working Capital Planning
Helps organise information relevant to working-capital requirement analysis.
Professional Presentation
Creates a cleaner and more professional financial package for lender review.
Common CMA Data Mistakes
Financial Mistakes
- Incorrect historical figures
- Mismatch between financial statements
- Unsupported turnover projections
- Incorrect stock or receivable assumptions
- Missing loan / liability information
- Inconsistent projected profitability
Documentation Mistakes
- Incomplete business information
- Missing bank statements
- Incomplete existing loan details
- Incorrect business projections
- Not following lender-specific requirements
- Inconsistent information across documents
CMA Data Services by Aira Consultancy Services
Assistance with financial data organisation, projections and preparation of CMA-related reports based on the information supplied by the client.
CMA Data Preparation
Preparation of structured CMA data based on business and lender requirements.
Projected Financial Statements
Preparation of projected P&L, balance sheet and other financial information where applicable.
Working Capital Analysis
Organisation and analysis of operating working-capital information.
Ratio Analysis
Presentation of relevant financial ratios and historical/projected performance indicators.
Loan Documentation Support
Assistance in organising financial information required for lender discussions.
Business Project Reports
Financial projections and project information can be structured for applicable business proposals.
Banking & Credit Information
CMA Data itself is not submitted through an RBI registration portal. For official banking and credit regulatory information, refer to the Reserve Bank of India.
Frequently Asked Questions
Need CMA Data for Your Business?
Get professional assistance with CMA Data, projected financial statements, working-capital analysis and bank-loan documentation.