Other Services
CMA Reports
Need a CMA (Credit Monitoring Arrangement) report for working capital or a term loan? We prepare it in your bank's format, with past, current and projected figures that hang together.
- Bank's format followed
- Past, current and projected figures reconciled
- Ratios checked before submission
- In-house team, never outsourced
- Handled or reviewed by CAs and CSs
- Data privacy first
On this page
A CMA report is the standard set of financial data banks use to assess working capital needs and lending limits.
Happy Filings, a Coimbatore-based firm, handles CMA reports online for clients anywhere in India.
At a glance
- Who it's for
- Businesses seeking working capital or term loans
- What you get
- A CMA report in your bank's format
- Where
- Shared with your bank
- Documents
- Audited accounts, provisionals and plans
Who needs a CMA report?
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Working capital borrowers
Cash credit and overdraft limits.
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Businesses increasing limits
Asking for higher limits as you grow.
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Term loan applicants
Banks often ask for CMA data with the project report.
What's included
- Past financial data
- Current-year estimates
- Projections over the loan period
- Working capital assessment
- Key ratios and fund flow
Not included
- Loan processing fees
- Stock audits
How it works with us
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Tell us your plans
Share what you need finance for and your current numbers.
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We gather information
We collect accounts, bank statements and project details.
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We build the numbers
We prepare the CMA report with clear assumptions.
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We review it with you
We walk you through it so you can answer the bank's questions.
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We support the application
We answer the bank's follow-up questions on the numbers.
Why a good CMA report matters
- Limits are set from these figures.
- Inconsistent data raises questions and delays.
- Well-reasoned projections support higher limits.
Good to know
Why choose Happy Filings?
Happyfilings.com is a Coimbatore-based firm that helps clients across India with bank finance reports. Everything happens online, so it works the same wherever you are.
- An in-house team handles your work. It is never outsourced.
- Chartered Accountants and Company Secretaries handle or review every filing.
- Your documents stay private and are used only for your work.
- One point of contact who knows your business, from start to finish.
Need a CMA report?
Share your accounts and the bank's format.
Prefer to talk?
Leave your name and number and our team will call you back.
FAQ's on CMA Reports
A Credit Monitoring Arrangement report: a standard set of financial data banks use to assess lending.
The structure is similar, but many banks have their own templates. We follow yours.
Audited accounts, current-year figures and your plans.
Yes. See project reports for bank loans.