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Corporate finance · CMA data

Bank-ready CMA data.

The Credit Monitoring Arrangement statement every lender asks for — past figures, projections, ratios and fund flow, built to the bank’s format and defensible in the appraisal, so your loan isn’t held up by weak numbers.

Get started on WhatsApp Common questions
Bank formatRatios & fund flowDefensible
Why it matters

Why the CMA makes or breaks the loan.

01

It’s what the bank reads

The CMA is the core document the appraising officer works from. Weak or inconsistent numbers slow or shrink the sanction.

02

Realistic, not inflated

Over-optimistic projections get picked apart. We build figures that support your ask and stand up to scrutiny.

03

The ratios that matter

Current ratio, DSCR, leverage and the maximum permissible bank finance — computed correctly, because the bank checks each one.

04

Right format, first time

Delivered in the lender’s format so it isn’t sent back for rework — which is a common cause of delay.

How it works

Prepared in three moves.

STEP 01

Share your figures

Your past financials and a sense of the plan and the limit you’re seeking. We confirm the assumptions with you.

STEP 02

We build the CMA

Past and projected statements, ratios, MPBF and fund flow assembled in the bank’s format.

STEP 03

Ready for the bank

A defensible CMA you can submit, and we can walk through with the lender if questions come up.

Answers

CMA data, answered.

What exactly is CMA data?+
It’s the Credit Monitoring Arrangement statement banks require for working-capital and term-loan proposals. It sets out past and projected financials, key ratios, the fund-flow statement and the maximum permissible bank finance — the basis on which the lender assesses your loan.
Why not just give the bank my accounts?+
Raw accounts don’t show the bank what it needs in the form it wants: the projections, ratios and financing gap. The CMA translates your numbers into the lender’s language and is expected as standard with the application.
Will realistic projections weaken my case?+
The opposite. Credible projections that a banker can believe get a cleaner sanction; inflated ones raise doubts about the whole file. We build figures that justify your ask and hold up to questions.
Can you also arrange the loan?+
Yes. The CMA is often the first step — we can take the full proposal to lenders and negotiate the facility as part of our debt syndication service.
CMA data

Numbers the bank believes, with one team on it.

Send us your figures on WhatsApp. We’ll build the CMA and quote a fixed fee — no bots, no queue.

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