Credit Monitoring Arrangement data is a standardised set of financial statements — past and projected operating statements, balance sheet analysis, working capital assessment, MPBF calculation, fund flow and ratios — that banks require when assessing and monitoring credit limits.

When does a bank ask for CMA data?

Generally once the working capital limit exceeds the threshold for the simplified turnover method, and for most term loans above that level. Thresholds vary between banks.

How many years does CMA data cover?

Typically two years of audited actuals, the current year's estimate, and two to three years of projections — though the bank's own format governs.

Is CMA data the same as a project report?

No. A project report is the full case for a proposal, including narrative sections. CMA data is the specific statement set banks use for credit assessment and ongoing monitoring. Larger proposals often need both.

Product

CMA data software for Chartered Accountants

Credit Monitoring Arrangement data is what a bank asks for once a limit outgrows the simple turnover method. It is not a narrative document — it is a fixed set of interlocking statements, and every one of them has to reconcile with the others. Preparing it by hand in Excel is possible; keeping it reconciled after the client revises a figure is where the hours go.

What CMA data consists of

Statement	What it shows
Particulars of existing and proposed limits	Current facilities against what is being sought
Operating statement	Past and projected P&L, typically two years actual plus projections
Analysis of balance sheet	Assets and liabilities in the bank's classification
Comparative statement of current assets and liabilities	The basis for working capital assessment
Calculation of MPBF	Maximum permissible bank finance
Fund flow statement	Movement of funds between years
Ratio analysis	Current ratio, TOL/TNW, DSCR and turnover ratios

MPBF, in practice

Maximum permissible bank finance works from the borrower's current assets and current liabilities to the amount a bank may lend against the working capital gap. The borrower funds a margin from long-term sources; the bank funds the rest. Getting the classification of current assets right — what counts, at what holding level — is what moves the MPBF number, and it is the part banks query most.

Where CMA preparation goes wrong

Projected holding levels that contradict the operating statement's cycle.
Current assets classified inconsistently between the balance sheet analysis and the comparative statement.
Ratios computed from a different version of the figures than the statements show.
Projections revised in one statement but not carried through the rest.

How this tool handles it

One input set drives every statement, so revisions propagate automatically.
Working capital, MPBF and the ratio set are derived, not typed.
Multi-year projections with percentage-based growth assumptions.
Export to PDF for submission and to Excel for the client's file.

Frequently asked questions

What is CMA data?: Credit Monitoring Arrangement data is a standardised set of financial statements — past and projected operating statements, balance sheet analysis, working capital assessment, MPBF calculation, fund flow and ratios — that banks require when assessing and monitoring credit limits.
When does a bank ask for CMA data?: Generally once the working capital limit exceeds the threshold for the simplified turnover method, and for most term loans above that level. Thresholds vary between banks.
How many years does CMA data cover?: Typically two years of audited actuals, the current year's estimate, and two to three years of projections — though the bank's own format governs.
Is CMA data the same as a project report?: No. A project report is the full case for a proposal, including narrative sections. CMA data is the specific statement set banks use for credit assessment and ongoing monitoring. Larger proposals often need both.

Build CMA data without the spreadsheet

One input set, every statement reconciled. Start free and see the output before you pay.

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