CMA Report Builder
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ONLINE CMA REPORT MAKER
CMA Report & CMA Data Format for Banks and NBFCs
Create a CMA report online with operating statement, balance sheet analysis, fund flow and MPBF calculation in the standard CMA data format used for credit monitoring arrangement.
With our CMA report builder, you can create a CMA report in minutes. Just enter your basic business details and download your CMA data instantly as a PDF — no manual spreadsheets or formatting required.
- CMA Data
- Bank Loan
- NBFC
- Working Capital
- Term Loan
What Is CMA Data?
CMA data, or Credit Monitoring Arrangement data, is a structured set of financial statements and projections prepared in a standard format that banks and NBFCs use to assess a borrower's working capital and term loan requirement. It presents past, current and projected financial performance together so a lender can evaluate creditworthiness and repayment capacity.
The term "credit monitoring arrangement" originally referred to a bank credit monitoring system. Over time, "CMA data" came to describe the standard set of financial forms — operating statement, balance sheet, fund flow and ratio analysis — that businesses submit when applying for or renewing a credit facility.
Credit Monitoring Arrangement
Understand what CMA means, why lenders ask for it, and what it's used to evaluate.
Read more →CMA Data for NBFCs
NBFC lenders commonly request CMA data alongside their own internal credit assessment formats.
See NBFC section →CMA Report in Minutes — Not Days
Preparing CMA data manually in a spreadsheet can take hours of formatting, formula-checking and cross-referencing between statements. Our CMA report builder removes that work.
Just Basic Business Details
No accounting background needed — enter your business type, existing financials and proposed limit, and the software builds the full CMA data structure for you.
Ready in Minutes
Operating statement, balance sheet analysis, fund flow and MPBF calculations are generated automatically as soon as you submit your details.
Instant PDF Download
Download your completed CMA report as a ready-to-submit PDF the moment it's generated — no waiting, no manual formatting.
CMA Report Format
The CMA data format generally follows a standard structure recommended by lenders, though banks and NBFCs may request minor variations. A typical CMA report includes the following statements, usually shown for two past years, the current year and two to three projected years:
| Form / Statement | What it shows |
|---|---|
| Particulars of existing & proposed limits | Current and requested credit facilities from all lenders |
| Operating statement | Sales, cost of sales, operating profit and net profit |
| Analysis of balance sheet | Current assets, current liabilities, net worth and long-term sources/uses |
| Comparative statement of current assets & liabilities | Working capital components such as receivables, inventory and payables |
| Calculation of MPBF | Maximum Permissible Bank Finance under the applicable lending method |
| Fund flow statement | Sources and uses of funds explaining movement in working capital and net worth |
| Ratio analysis | Current ratio, DSCR, TOL/TNW and other lender-relevant ratios |
Need CMA Data Prepared for Your Business?
Enter your financial information and generate a CMA report in the standard format expected by banks and NBFCs.
Make CMA Report OnlineCredit Monitoring Arrangement: Analysis & Data
A credit monitoring arrangement analysis looks beyond the raw numbers to assess trends across years — whether sales growth is being matched by proportional working capital, whether profitability is stable, and whether the projected repayment capacity is realistic given past performance.
Credit monitoring arrangement data is only useful to a lender when the assumptions behind the projections are consistent with the historical financials. Large, unexplained jumps in projected sales or margins are a common reason CMA data gets sent back for revision.
Tip: Keep growth assumptions in projected years grounded in the business's actual historical trend, past capacity, and any specific expansion plans — rather than a generic growth percentage.
CMA Data Format for NBFCs
While the core CMA data format originated with bank lending norms, many NBFCs also request CMA data — sometimes alongside their own supplementary financial disclosure formats. Businesses applying for an NBFC loan should generally be prepared to provide:
Standard CMA statements
- Operating statement (past, current, projected)
- Balance sheet analysis
- Fund flow statement
- Ratio analysis
Common NBFC additions
- GST returns and bank statements
- Existing loan repayment track record
- Receivables and inventory ageing
- Collateral or security details, if applicable
How to Prepare a CMA Report
Gather financials
Collect past 2–3 years' audited or provisional financial statements.
Add current & proposed limits
List existing credit facilities and the new limit being requested.
Build projections
Project sales, expenses and working capital for the requested tenure.
Generate the CMA report
Review MPBF, DSCR and ratio outputs before submission.
CMA Report FAQs
Answers to common questions about CMA data, credit monitoring arrangement and CMA report preparation.
What is CMA data?
CMA data, or Credit Monitoring Arrangement data, is a set of structured financial statements and projections prepared in a standard format that banks and NBFCs use to assess a borrower's working capital and term loan requirements.
What is a CMA report?
A CMA report presents a business's past financial performance, current position and future projections in the CMA data format, typically covering operating statement, balance sheet, fund flow and ratio analysis over multiple years.
What is credit monitoring arrangement?
Credit monitoring arrangement, commonly abbreviated CMA, is a system originally introduced for monitoring bank credit that evolved into a standard format for presenting a borrower's financial data for loan assessment and renewal.
What is the CMA data format?
The CMA data format typically includes particulars of existing and proposed limits, operating statement, analysis of balance sheet, comparative statement of current assets and liabilities, calculation of maximum permissible bank finance, and fund flow statement, usually spanning past, current and projected years.
Why do NBFCs ask for CMA data?
NBFCs and banks use CMA data to evaluate a borrower's financial health, working capital cycle, repayment capacity and overall creditworthiness before sanctioning or renewing a credit facility.
Can I get a CMA report as a PDF?
CMA reports prepared through the StartupGuruz platform can be generated in a structured, printable format. PDF availability depends on the selected report workflow and plan.
Can I create CMA data online?
Yes. StartupGuruz provides an online CMA report maker where business and financial information can be entered to generate CMA data in the standard format used by banks and NBFCs.
How fast can I generate a CMA report?
With the StartupGuruz CMA report builder, entering your basic business details is usually enough to generate the full CMA data in minutes, with the completed report available to download instantly as a PDF.
This page and the CMA reports generated through StartupGuruz are for business planning and documentation purposes. They do not constitute financial, legal or lending advice. Always verify current lender or NBFC-specific format requirements directly with the concerned bank or NBFC before submission.
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Enter your business's financial details to generate a CMA report in the standard CMA data format.
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