Financial records
Audited or provisional statements, ledgers or trial balance, tax returns and current-year performance.
Quality of records affects model reliabilityFinance and decision support
CMA data and project reports built from defensible assumptions.
A structured working set for lender discussions, working-capital assessment, term-loan proposals, expansion projects and internal feasibility decisions.
Assumption-led model Lender-specific format where supplied No sanction guarantee
1Defined purpose and reporting period
3Historical, projected and scenario views
WrittenAssumptions and information dependencies
FlexibleBank format or decision-focused output
When this service fits
Start with the credit or investment question.
CMA data and project reporting are useful when a business needs to explain how past performance, operating assumptions, funding needs and repayment capacity connect. The required format and depth vary by lender, facility, sector and project stage.
Working-capital discussionOperating cycle, inventory, receivables, creditors, limits and projected utilisation.
Term-loan proposalProject cost, sources of finance, implementation assumptions and debt-service capacity.
Expansion or new unitCapacity, ramp-up, pricing, costs, break-even and sensitivity assumptions.
Internal feasibility reviewA management view of cash generation, capital requirement and key downside risks.
Possible working papers and outputs
Deliverables matched to the purpose.
The final list is agreed after reviewing the lender’s checklist or the internal decision requirement. It may include:
- Historical financial summary and normalisation notes
- Revenue, capacity, pricing, cost and margin assumptions
- Projected profit and loss account, balance sheet and cash-flow statement
- Working-capital cycle and assessment schedules
- Term-loan repayment and debt-service analysis
- Ratio analysis, break-even indicators and sensitivity scenarios
- Project cost and means-of-finance statement
- Promoter contribution, existing borrowing and proposed facility summary
- Management assumptions, data limitations and model notes
Input checklist
Records generally needed.
The exact request depends on whether the entity is new, operating, audited, seasonal, project-based or undergoing expansion.
Business drivers
Products or services, installed capacity, volumes, pricing, margins, customers, suppliers and operating cycle.
Management validates the assumptionsBorrowing position
Existing sanctions, repayment schedules, security details, proposed facility and promoter contribution.
Lender format is requested where availableWorking methodology
A traceable path from facts to projections.
The model is developed in an original sequence designed to make inputs, judgements and dependencies visible.
Frame the decision
Confirm the facility, purpose, proposed amount, reporting period and lender-specific requirements.
Reconcile the base
Review historical statements, current-year records, existing debt and material inconsistencies.
Build the operating case
Link revenue, capacity, costs, working capital, capital expenditure and funding assumptions.
Review and issue
Management validates assumptions; agreed schedules, notes and editable or final outputs are delivered.
CLEAR PRICING
Choose the scope that fits
Each package states the included work. We confirm applicability, records and timelines before engagement.
Focused₹6,200
- Preparation of CMA Report for working capital limit up to ₹25 Lakh
- Two responses to bank queries
Plus₹10,200
- Preparation of CMA Report for working capital limit up to ₹200 Lakh
- up to Three responses to bank queries
Complete₹15,200
- Preparation of CMA Report for working capital limit up to ₹500 Lakh
- up to Four responses to bank queries
Prices were reviewed in August 2026. Government fees, statutory charges, stamp duty, GST, certificates, subscriptions and third-party costs are additional unless a package expressly includes them.
Ways to engage
Choose the level of work—not a borrowed package.
Fees are quoted after reviewing complexity, data condition, reporting horizon and the lender’s format.
Independent model review
Review an existing projection set for consistency, assumption gaps, formula issues and presentation risks.
Full preparation
Develop the agreed CMA schedules or project report from available records and management inputs.
Revision and lender queries
Update assumptions or address a defined round of lender questions after the initial working set.
Decision model extension
Add management scenarios, cash runway, break-even or project sensitivity views where needed.
Important scope boundaries
What the report can—and cannot—do.
A professionally prepared model helps present the business case consistently. It does not replace lender due diligence, valuation, technical appraisal, legal review, collateral evaluation or credit approval.
No guarantee of finance: sanction, amount, interest rate, security, covenants, tenure and disbursement remain subject to the lender’s policies, verification and discretion.
Management responsibilities
- Provide complete and accurate records and disclose material commitments.
- Review and approve commercial assumptions and projected operating inputs.
- Notify us if facts or the proposed facility change during preparation.
- Use the output only for the agreed purpose and with the stated limitations.
Common questions
Before you send the records.
Do you use the bank’s CMA format?
Yes, when the lender has supplied a format and its use is included in the agreed scope. Otherwise, we first confirm which schedules and presentation are appropriate.
Can a new business obtain a project report without historical accounts?
Yes, but projections must be supported by management assumptions, project quotations, capacity, pricing, operating-cost and funding inputs. The lack of historical performance is stated as a limitation.
Can you change projections to meet a desired loan amount?
We can model justified scenarios, but assumptions must be reasonable, disclosed and approved by management. We do not manipulate figures solely to reach a target result.
Are lender-query replies included?
Only if expressly included. The number and nature of query rounds are agreed because lender requests can vary substantially.
Are government, valuation or certification charges included?
Third-party reports, certifications, valuations, technical studies, legal work, taxes and external charges are separate unless the written quotation says otherwise.
Discuss CMA or project reporting
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